Salary aane ke baad paisa kaise manage kare?
Seedha jawab: sabse pehle kharch band karo, soch shuru karo. Salary milte hi jo paisa account me aata hai, agar uska direction aapne pehle hi decide nahi kiya, to paisa khud decide kar leta hai — aur aksar galat jagah chala jaata hai।
Main ye baat experience se keh raha hoon. Meri pehli salary ₹18,000 thi. Us din mujhe laga tha, “Ab life set hai.” Lekin sirf 20 din baad main zero balance dekh raha tha. Na savings, na planning, sirf guilt aur confusion. Isi struggle se meri real financial journey shuru hui — aur aaj main wahi lessons aapke saath share kar raha hoon, bina heavy finance jargon ke, bilkul seedhi zindagi ki bhasha mein।
Salary Aane Ke Baad Paisa Kaise Manage Kare Aur Kyun Zyada Log Isme Fail Ho Jaate Hain?
Meri sabse badi galti ye thi ki main paisa aane ke baad sochta tha, jaane ke baad nahi. Salary credit hui nahi ki shopping, Swiggy, EMI, aur “treat dena padega” shuru.
Meri kahani
Ek mahine mainne khud ko reward dene ke naam par:
- Naya phone EMI pe liya
- Weekend trips ki
- Office ke har dost ko party di
Mahine ke end tak sirf ek sawal tha:
“Salary gayi kahan?”
Seekh
👉 Paisa udta nahi hai, hum uda dete hain — planning na karke.
Aap kya karein
- Salary aane se pehle plan banaiye
- Kharch ko priority list mein rakhiye, excitement mein nahi
Salary Aane Ke Baad Sabse Pehla Step Kya Hona Chahiye? (Yahin Game Badalta Hai)
Agar aap sirf ek cheez yaad rakhen, to ye rakhein:
“Pehle paisa baanto, phir kharch karo.”
Main pehle kharch karta tha, phir dekhta tha bacha kya. Ab main pehle decide karta hoon:
- Kitna save
- Kitna invest
- Kitna kharch
Simple 3-part formula (beginner friendly)
- Savings / Investments – 20–30%
- Needs (rent, groceries, bills) – 50–60%
- Wants (fun, shopping) – 10–20%
Real example
Salary: ₹30,000
- ₹6,000 saving
- ₹18,000 needs
- ₹6,000 wants
Chahe amount chhota ho, habit badi hoti hai.
Budget Banana Kyun Zaroori Hai, Aur Main Kyun Isse Nafrat Karta Tha
Sach bolun to mujhe “budget” shabd se hi chidh hoti thi. Lagta tha jaise zindagi bandh jaayegi.
Phir ek din…
Bank balance dekh kar mujhe samajh aaya: Budget zindagi ko bandh nahi karta, stress ko bandh karta hai.
Mera practical budget system
Main koi app ya Excel ka guru nahi hoon. Main sirf 3 cheezein likhta hoon:
- Fix kharch (rent, EMI)
- Variable kharch (khana, travel)
- Non-negotiable saving
Aap ke liye tip
- Pehle mahine sirf track karo
- Doosre mahine control aayega
- Teesre mahine confidence
Savings: Chhoti Salary Mein Bhi Kaise Bachaaya Ja Sakta Hai
“Salary kam hai, baad mein save karunga” — ye line maine 5 saal boli.
Sach kya hai?
Salary badhti hai, lekin lifestyle usse tez bhaagta hai.
Meri sabse badi breakthrough
Jis din maine ₹500 per month saving shuru ki, us din main mentally rich feel karne laga.
Emergency fund ka importance
Ek baar medical emergency ne meri 6 mahine ki savings kha li. Tab samjha: 👉 Emergency fund luxury nahi, zarurat hai.
Rule
- 3–6 months ka expense = emergency fund goal
Agar aapko clear nahi hai ki emergency fund kya hota hai, to seedhi bhaasha mein samjhiye — ye wo paisa hota hai jo aapko achanak job loss, medical emergency ya family crisis ke time loan lene se bachata hai.
Investment Ka Darr Kaise Nikla (Aur Aapka Bhi Niklega)
Mujhe lagta tha investment sirf “smart logon” ke liye hoti hai. Main galat tha.
Pehli investment
₹1,000 SIP.
Agar aap beginner ho aur samajhna chahte ho ki SIP mutual fund kaise kaam karta hai, to AMFI ka ye page bilkul simple language mein basic clarity deta hai.
Na market samajh aayi, na terms — bas consistency.
Seekh
- Perfect knowledge ka wait mat karo
- Start small, learn along the way
Aap kya karein
- SIP se shuru karo
- Long term socho
- Roz market mat dekho
EMI Aur Credit Card: Dost Ya Dushman? (Mera Personal Wake-Up Call)
Credit card mujhe free money lagta tha… jab tak bill nahi aaya.
Meri galti
- Minimum due bhar ke khush
- Interest ignore
- Lifestyle inflate
Zyada log is baat ko ignore kar dete hain ki credit card interest kaise lagta hai, aur wahi ignore ki hui cheez baad mein sabse mehngi pad jaati hai.
Rule jo maine seekha
- EMI sirf asset ke liye
- Credit card = debit card jaisa use
Simple test
Agar aaj cash mein nahi khareed sakte, to EMI pe bhi mat lo.
Lifestyle Inflation: Salary Badhi, Par Paisa Kyun Nahi Bacha?
Promotion mila, salary badhi — par stress bhi badh gaya.
Kyun?
- Flat upgrade
- Car EMI
- Branded lifestyle
Realisation
Khushi cheezon se nahi, control se aati hai.
Aap ke liye mantra
“Har salary hike ko lifestyle hike mat banao.”
Mental Peace Aur Paisa: Dono Ka Connection (Jo Koi Nahi Batata)
Jab paisa manage nahi hota, to neend bhi manage nahi hoti.
Meri life ka change
- Savings = confidence
- Planning = peace
- Control = self-respect
Aap bhi feel karoge
Jis din aapko pata hoga paisa kahan ja raha hai, anxiety aadhi ho jaayegi.
FAQs: Salary Aane Ke Baad Paisa Kaise Manage Kare
1. Salary kam ho to bhi kya saving possible hai?
Bilkul. Amount chhota ho sakta hai, habit nahi.
2. Kitna percent salary save karna chahiye?
Shuruat 10% se karo, dheere-dheere 20–30%.
3. Investment kab shuru karni chahiye?
Jab pehli salary aaye — wahi best time hai.
4. Budget follow nahi ho paata, kya karein?
Perfect nahi, flexible budget banao. Zindagi ke saath adjust karo.
5. Paisa manage karna seekhne mein kitna time lagta hai?
Aadat banne mein 3–6 mahine, faayda zindagi bhar.
Conclusion: Aaj Ka Decision, Kal Ki Zindagi
Salary aane ke baad paisa kaise manage kare — ye sirf finance ka sawal nahi, ye self-respect, freedom, aur future security ka sawal hai.
Main koi finance expert nahi hoon. Main bas ek aam aadmi hoon jisne galtiyan ki, roya, seekha — aur dheere-dheere control paaya.
Agar main kar sakta hoon, to aap bhi kar sakte ho.
Read Also: Post Office Schemes – किसान विकास पत्र (KVP) क्या है?Aaj ek chhota decision lo.
Kal aap khud ko thank karoge.