Monthly budget kaise banaye Indian family ke liye – aur kaise maine apni salary khatam hone se pehle mahina khatam hona band kar diya
Sach bataun?
Monthly budget kaise banaye Indian family ke liye — iska sabse seedha jawab ye hai: apni income se pehle apni reality samjho, aur kharch se pehle apni priorities.
Agar aaj aapka bhi haal ye hai ki salary aate hi bills mein chali jaati hai, savings sirf plan mein reh jaati hai, aur mahine ke aakhri 5 din stress mein nikalte hain — toh ye article aapke liye hi hai.
Main koi finance guru nahi hoon. Main bhi ek middle-class Indian family ka hissa hoon, jahan EMI, school fees, ration, aur relatives ke unexpected calls — sab ek saath aate hain. Lekin jis din maine budgeting ko numbers nahi, family decision samajhna shuru kiya, us din se meri financial life badalne lagi.
Monthly Budget Kaise Banaye Indian Family Ke Liye Jab Income Limited Ho Aur Kharch Zyada?
Ek scene imagine kijiye.
Salary aayi — 1 tareekh.
2 tareekh: rent/EMI
5 tareekh: school fees
7 tareekh: grocery
10 tareekh: light bill, gas
15 tareekh: koi relative ki shaadi
20 tareekh: online sale
25 tareekh: “Yaar paise kahan gaye?”
Mere ghar mein bhi yahi hota tha.
Problem paison ki kami nahi thi — problem direction ki kami thi.
Maine kya seekha:
- Budget tab fail hota hai jab:
- hum sirf kharch likhte hain, planning nahi karte
- family ke saare log same page par nahi hote
- hum “jo bacha, woh save” approach rakhte hain
Indian family ke liye budget banana matlab hai:
ghar ke sapnon aur zimmedariyon ke beech balance banana
Monthly Budget Ka Matlab Sirf Excel Sheet Nahi, Family Agreement Hai
Pehle mujhe lagta tha budget = boring table.
Lekin ek din meri wife ne kaha:
“Agar humein pata hi nahi ki hum paise kyun bacha rahe hain, toh bachayenge kaise?”
Wahi turning point tha.
Indian family budget ka asli matlab:
- Paise kahan ja rahe hain — clarity
- Paise kyun ja rahe hain — intention
- Paise kahan jaane chahiye — decision
Us din humne sirf budget nahi banaya,
humne financial boundaries set ki.
Step 1: Pehle Apni Asli Monthly Income Samjhiye (Jitni Aati Hai, Utni Hi Likhiye)
Yahin sabse zyada log galti karte hain.
Main bhi karta tha.
CTC sunke budget banana, aur bank account dekhke shock hona.
Sahi tareeka:
- in-hand salary ka calculation (tax ke baad)
- Side income (agar regular hai)
- Irregular income (bonus) ko budget ka base mat banaiye
📌 Rule:
Jo har mahine guaranteed aaye, wahi aapki income hai.
Step 2: Indian Family Expenses Ko 3 Simple Categories Mein Baantiye
Maine jab pehli baar apne kharch likhe, mujhe khud par gussa aaya.
Category 1: Zaroori Kharch (Needs – 50–60%)
- Rent / Home EMI
- Ration
- School fees
- Bijli, paani, gas
- Transport
Category 2: Thoda Zaroori, Thoda Choice (Wants – 20–30%)
- Eating outside
- OTT subscriptions
- Shopping
- Festivals
Category 3: Bhavishya (Savings & Protection – 15–20%)
- Emergency fund
- Insurance
- Children education
- Retirement
👉 Pehle main savings ko last mein rakhta tha.
Ab sabse pehle. household expense planning
Step 3: “Bacha Hua Save Karenge” Nahi, “Pehlay Save Karenge” Sochiye
Ek line jo meri zindagi badal gayi:
“Aap future ke liye paise nahi bachate, aap future ke liye discipline bachate ho.”
Practical Indian approach:
- Salary aate hi:
- 10% emergency fund
- 5–10% long-term goal
- Phir kharch
Chahe amount chhota ho — consistency badi cheez hai.
Step 4: Emergency Fund – Jo Indian Families Ignore Karte Hain
Covid ne mujhe ye sikhaya.
Ek medical emergency, aur saari planning hawa ho gayi.
Emergency fund ka rule:
- Minimum: 6 mahine ke zaroori kharch
- Alag account mein rakhein
- Sirf emergency ke liye
📌 Emergency ka matlab:
- Job loss
- Medical issue
- Major repair
Sale ya vacation emergency nahi hoti.
Step 5: Budget Tab Chalta Hai Jab Pura Parivaar Saath Ho
Sabse mushkil step — par sabse important.
Ek baar maine budget banaya, lekin wife ko bataya hi nahi.
Result?
Plan fail.
Ab hum kya karte hain:
- Month ke shuru mein 15-minute family talk
- Bachchon ko bhi simple language mein samjhate hain
- Decisions milkar lete hain
Budget secret document nahi,
family vision hota hai.
Step 6: Indian Lifestyle Ke Liye Realistic Budget Tips
Perfect budget nahi hota.
Realistic budget hota hai.
Kuch real tips jo kaam aaye:
- Grocery list ke bina market mat jaiye
- EMI > 40% income na ho
- Credit card ko tool banaiye, crutch nahi
- Festival budget pehle se rakhiye
Step 7: Budget Track Kaise Karein Bina Stress Ke
Main daily tracking mein fail ho gaya.
Isliye maine simple rule banaya:
Simple tracking:
- Har Sunday 10 minutes
- Sirf 3 sawal:
- Kya plan se zyada kharch hua?
- Kyun hua?
- Agle hafte kya better kar sakte hain?
Progress perfect hone se nahi,
aware hone se hota hai.
Step 8: Galtiyan Jo Maine Ki – Taaki Aap Na Karein
- Pehle hi mahine perfect banne ki koshish
- Sab kuch cut kar dena
- Family ko involve na karna
- Comparison karna dusron se
Budget ka goal punishment nahi,
peace hai.
Step 9: Jab Budget Ka Asar Dikhne Lagta Hai (Mera Experience)
6 mahine baad:
- EMI ka stress kam
- Emergency ke liye confidence
- Savings chhoti thi, par thi
- Sabse bada change — neend achhi aane lagi
Paise se zyada,
control ka ehsaas mila.
Frequently Asked Questions (FAQs)
Q1. Monthly budget kaise banaye Indian family ke liye bina Excel ke?
Aap notebook, simple diary, ya phone notes se bhi shuru kar sakte hain. Pehle clarity chahiye, tools baad mein.
Q2. Kitni income mein budget banana possible hai?
Har income level mein budget zaroori hai. Chhoti income mein toh aur bhi zyada.
Q3. Agar pehle se loans hain toh budget kaise banayein?
Pehle zaroori kharch aur EMI likhiye, phir chhoti savings shuru kijiye. Discipline dheere-dheere banta hai.
Q4. Budget follow nahi ho pa raha toh kya karein?
Khud ko blame mat kijiye. Review kijiye, adjust kijiye, aur aage badhiye.
Q5. Indian family ke liye best budgeting rule kaunsa hai?
“Pehlay save, phir kharch” + family involvement — sabse powerful rule hai.
Conclusion: Budget Sirf Paisa Bachane Ka Tareeka Nahi, Zindagi Sanwaarne Ka Zariya Hai
Aaj bhi main seekh raha hoon.
Kabhi budget hil jaata hai.
Kabhi plan fail hota hai.
Lekin ab ek cheez clear hai —
monthly budget kaise banaye Indian family ke liye, ye sirf ek sawaal nahi, ek zimmedari hai.
Agar aap aaj shuru karte hain — imperfect tareeke se hi sahi —
toh 6 mahine baad aap khud ko shukriya kahenge.
👉 Aaj hi ek kagaz uthaiye. Income likhiye. Ek chhota decision lijiye.
Safar wahi se shuru hota hai.
Read Also: Rich Dad Poor Dad PDF Free Download – Unlocking Financial Freedom
Agar aap chahen, main aapke income ke hisaab se ek simple budget structure banane mein madad bhi kar sakta hoon.