Ghar ke kharch ka budget kaise banaye?
Agar main ek line me jawab doon to — har mahine paisa kahan ja raha hai, yeh likhna shuru kijiye aur kharch ko plan ke saath chalaaiye. Main yeh baat aaj confidence se keh pa raha hoon, kyunki ek waqt tha jab meri salary 20–25 tareekh tak hi khatam ho jaati thi aur mujhe samajh hi nahi aata tha ki paisa gaya kahan. Is article me main aapke saath apni wahi real journey share kar raha hoon — galtiyon ke saath, struggles ke saath — aur woh practical tareeke jisse maine ghar ke kharch ka budget banana seekha aur financial stress se bahar nikla.
Yeh article sirf tips ka collection nahi hai. Yeh meri kahani hai – ek normal middle-class Indian ki, jo EMI, school fees, grocery, rent, aur “achanak aane wale kharchon” ke beech pis raha tha. Main aapko bataunga ki maine kaise struggle kiya, kaise galtiyan ki, aur phir ghar ke kharch ka budget banana seekha – bina kisi fancy app ke, bina kisi financial jargon ke.
Agar aap bhi mahine ke end me yeh soch rahe ho – “pata nahi paisa gaya kahan”, to yeh article aapke liye hai.
Ghar Ke Kharch Ka Budget Kaise Banaye Jab Salary Aati Hai Par Paisa Tikta Nahi?
Mujhe aaj bhi yaad hai – pehli job, pehli salary. Khushi itni thi jaise lottery lag gayi ho. Par teen saal baad bhi haalat wahi thi:
- Salary aayi
- Thode din shopping, bahar khana
- Beech me bills
- Aur phir 20–25 tareekh ke baad tension
Main sochta tha problem salary kam hone ki hai. Par sach yeh tha – problem planning ki thi.
Yahin se mujhe samajh aaya ki ghar ke kharch ka budget kaise banaye, yeh seekhna luxury nahi, survival skill hai.
Budget ka matlab “kanjoosi” nahi hota – yeh sabse badi galatfehmi hai
Bahut saare log budget ka naam sunte hi darr jaate hain. Mujhe bhi lagta tha:
- Budget = Mazaa band
- Budget = Sirf zaroori cheezein
- Budget = Zindagi boring
Par jab maine honestly budget banana shuru kiya, tab pata chala:
Budget paison ko control karta hai, khushiyon ko nahi.
Reserve Bank of India ki financial literacy guidance bhi yahi kehti hai ki budgeting personal finance ka sabse pehla step hota hai.
Budget banane ke baad:
- Main guilt ke bina kharch kar paaya
- Savings automatic hone lagi
- Emergency ke time panic kam ho gaya
Yeh mindset shift sabse pehla step hai.
Ghar ke kharch ka budget kaise banaye – step by step, bilkul aasaan tareeke se
Step 1: Apni total monthly income sach-sach likhiye
Sabse pehle main yeh maanta hoon ki hum aksar income ka figure galat lete hain.
MyGov India par bhi household financial planning ko ek zaroori life skill mana gaya hai.
Main sirf salary likhta tha, par:
- Freelance ka paisa
- Interest
- Kabhi-kabhi bonus
Yeh sab ignore kar deta tha.
Aap kya karein:
- Ek page lo
- Mahine ki total income likho (jo haath me aati hai)
Sach likhna bahut zaroori hai. Jhooth yahin se shuru hota hai.
Step 2: Har ek kharch likho – chhota bhi, bada bhi
Yeh sabse painful step tha mere liye.
Jab maine pehli baar likha:
- Chai: ₹20
- Bahar samosa: ₹30
- Online order: ₹199
- Random Amazon order: ₹499
Tab samajh aaya – paisa kahan ja raha hai.
Jo cheez likhi nahi jaati, woh control nahi hoti.
Tip:
- Ek diary rakho
- Ya simple notes app use karo
- Har kharch turant likho
Step 3: Kharch ko categories me baanto (yeh magic step hai)
Maine apne kharch ko 5 simple parts me divide kiya:
- Fixed expenses – rent, EMI, school fees
- Monthly necessities – ration, electricity, gas
- Variable kharch – bahar khana, shopping
- Savings – future ka sukoon
- Emergency buffer – unexpected life surprises
Isse mujhe clarity mili – kaunsa kharch zaroori hai, kaunsa sirf aadat.
Real life example: ₹30,000 salary me ghar ka budget kaise banaya
Jab meri salary ₹30,000 thi, tab mera budget kuch aisa tha:
- Rent: ₹8,000
- Ration & groceries: ₹5,000
- Electricity & bills: ₹2,000
- Travel: ₹3,000
- Savings: ₹4,000
- Personal & fun: ₹3,000
- Emergency buffer: ₹2,000
- Miscellaneous: ₹3,000
Pehle mujhe lagta tha savings impossible hai.
Par jab savings ko expense ki tarah treat kiya, tab sab possible ho gaya.
Ghar ke kharch ka budget banate waqt meri sabse badi galtiyan
Galti 1: “Kal se shuru karenge” mindset
Main har mahine sochta tha – next month se budget.
Next month kabhi nahi aata.
Lesson:
Aaj imperfect budget better hai kal ke perfect plan se.
Galti 2: Family ko involve nahi karna
Main akela hero banna chahta tha.
Par jab wife aur bachchon ko budget samjhaaya:
- Unnecessary kharch kam hue
- Ghar ka stress kam hua
Budget family ka hota hai, sirf aapka nahi.
Galti 3: Har mahine same budget rakhna
Life same nahi hoti:
- Kabhi school fees
- Kabhi festival
- Kabhi medical
Solution:
Budget ko zinda rakhiye, flexible banaiye.
Ghar ke kharch ka budget kaise banaye jab income kam ho
Yeh sawal mujhe roz messages me milta hai.
Sach bolu?
Low income me budget aur bhi zyada zaroori hota hai.
Maine yeh follow kiya:
- Pehle basic needs secure
- Fun kharch limited
- Savings chhoti, par regular
₹500 ki saving bhi dignity deti hai.
Budget follow karna kaise easy banaya maine
Budget banana mushkil nahi tha, follow karna tha.
Maine yeh kiya:
- Weekly review (sirf 10 minute)
- Cash aur UPI limit set
- Har month ek chhoti reward
Discipline punishment nahi hota, yeh self-respect hoti hai.
Ghar ke kharch ka budget ka emotional impact – jo koi nahi batata
Budget ke baad:
- Neend achhi aane lagi
- Paise ko lekar jhagda kam
- Future ka darr kam
Paisa sirf numbers nahi hota.
Yeh mental peace ka direct connection hai.
People Also Ask (FAQs)
1. Ghar ke kharch ka budget kaise banaye bina app ke?
Ek simple notebook ya notes app kaafi hai. Important hai likhna, tool nahi.
2. Budget banane ke baad bhi paisa khatam ho jata hai, kya karein?
Review karo – kaunsa kharch underestimated tha, aur usse adjust karo.
3. Kya savings pehle karein ya baad me?
Pehle. Savings ko expense samjho.
4. Budget follow nahi hota, motivation kaise laayein?
Perfect nahi, consistent bano. 80% follow bhi kaafi hai.
5. Kya housewife bhi ghar ka budget bana sakti hai?
Bilkul. Actually ghar ke kharch ka sabse accurate idea unke paas hota hai.
Ant me – meri aapse ek dil se request
Agar aap yahan tak padh aaye ho, to matlab kahin na kahin aap bhi financial sukoon chahte ho.
Aaj hi:
- Ek page lo
- Apni income likho
- Aur kharch ka sach saamne rakho
ghar ke kharch ka budget kaise banaye yeh sirf ek sawal nahi hai, yeh ek nayi zindagi ka darwaza hai.
Main koi finance guru nahi hoon.
Main bas aap jaisa hi hoon – jisne der se sahi, par seekh liya.
People Also Read: Personal Finance Kaise Shuru Kare Beginners Ke Liye: Meri Real Life Galtiyan Aur Paiso Ke Saath Badalta SafarAap bhi seekh sakte ho.
Aaj se. 💙