Salary kam ho to saving kaise kare jab mahine ke end mein kuch bachta hi nahi?
Salary kam ho to saving kaise kare?
Iska simple jawab yeh hai: saving paisa bachne ka wait nahi karti, balki pehle decide karne se shuru hoti hai. Agar aap sochte ho ki kam salary mein saving possible hi nahi hai, toh main bhi kabhi wahi sochta tha. Meri salary itni kam thi ki mahine ke beech mein hi paise khatam ho jaate the, aur saving sirf ek sapna lagti thi. Lekin jab ek emergency ne meri aankhen kholi, tab mujhe samajh aaya ki salary kam ho to saving kaise kare sirf paison ka sawal nahi hai, balki soch badalne ka process hai.
Is article mein main aapko theory nahi, apni real life journey bataunga — galtiyon ke saath, seekh ke saath, aur practical steps ke saath.
Yeh kahani sirf paison ki nahi hai. Yeh kahani hai dar ki, guilt ki, comparison ki, aur dheere-dheere control wapas lene ki.
Meri kahani: Jab salary khatam ho jaati thi, mahina baaki hota tha
Main ek normal middle-class family se hoon. Job lagi toh laga ab sab theek ho jaayega. Par reality?
₹18,000 ki salary. Rent, travel, khana, mobile bill… aur thoda sa “main bhi enjoy kar loon” wala kharcha.
Mahine ke 20 tareekh ke baad wallet khali. Saving? Zero.
Har baar jab mummy poochti, “Beta, kuch bachaya?” main topic change kar deta.
Dil mein guilt tha, par samajh nahi aa raha tha ki salary kam ho to saving kaise kare jab khud ke liye hi paisa nahi bachta.
Salary kam hone par saving kyun mushkil lagti hai? (Sach jo koi nahi bolta)
Iska jawab sirf “kam income” nahi hai.
Mere experience se, kuch aur gehre reasons hote hain:
1. Hum saving ko ‘bacha hua paisa’ samajhte hain
Jo end mein bache, wahi saving. Aur jab end mein kuch bachta hi nahi, toh saving bhi nahi hoti.
2. Emotional kharch
Stress ho toh online order. Bore ho toh mall.
Yeh sab hum justify kar dete hain: “Itna toh banta hai yaar.”
3. Comparison ka pressure
Instagram par log trips, gadgets, cafés dikhate hain.
Hum sochte hain, “Main bhi deserve karta hoon.”
Maine yeh sab kiya hai. Isliye bol raha hoon.
Yeh baat sirf meri nahi hai — financial literacy ke basic principles bhi yahi kehte hain ki saving ka issue income se zyada behaviour se juda hota hai.
Turning point: Ek emergency ne meri aankhen khol di
Ek din papa ki tabiyat kharab ho gayi.
Emergency thi. Mujhe ₹15,000 arrange karne the.
Saving zero. Credit card limit low. Friends se maangna pada.
Us din mujhe realise hua:
👉 Saving luxury nahi, safety hai.
Us raat main soya nahi. Sirf ek hi thought:
“Salary kam ho to saving kaise kare – mujhe ab iska jawab dhoondhna hi hoga.”
Baad mein mujhe samajh aaya ki yeh sirf meri galti nahi thi — banks bhi emergency fund ki importance par hamesha zor dete hain, lekin hum sunte hi nahi.
Step 1: Maine saving ko priority banaya, option nahi
Sabse pehla practical change jo maine kiya:
Salary aate hi pehle saving
Chahe ₹500 ho ya ₹1000.
Maine rule banaya:
“Main kharch baad mein adjust karunga, saving pehle.”
Shuru mein mushkil laga.
Par ek alag confidence aaya – jaise main apne future ke liye kuch kar raha hoon.
Aap bhi yeh try karo:
- Salary ka sirf 5% alag rakho
- Chahe kam lage, par habit banegi
Step 2: Budget nahi, ‘Reality Plan’ banao
Main pehle bhi budget banata tha… diary mein.
Par follow? Kabhi nahi.
Phir maine approach badli.
Mainne apne last 3 mahine ke kharche likhe
Sach saamne aaya:
- Food delivery: zyada
- Random online shopping: bekaar
- Small-small kharch jo dikhta nahi par jod ke bada ho jaata hai
Tab mujhe samjha:
👉 Salary kam ho to saving kaise kare ka jawab discipline mein hai, sacrifice mein nahi.
Step 3: ‘Needs vs Wants’ samajhna (yeh game changer hai)
Ek simple exercise jo meri life badal gayi:
Har kharch se pehle main poochta hoon:
- Kya yeh need hai?
- Ya bas want hai jo thodi der mein bhool jaunga?
Example:
- Need: Ghar ka khana, travel, bills
- Want: Har weekend bahar khana, naye earphones jab purane chal rahe hain
Main wants ko poori tarah band nahi karta.
Bas unko limit karta hoon.
Yeh concept sirf personal experience nahi hai — investment education platforms bhi needs aur wants ka difference samajhne ko financial stability ka base maante hain.
Step 4: Salary kam ho to saving kaise kare – micro habits se
Log sochte hain saving ke liye bada decision chahiye.
Mere liye chhoti aadatein kaam aayi:
1. Cash ka use badhaya
UPI se kharch control se bahar jaata hai.
Cash dikhta hai, toh dard hota hai.
2. No-spend days
Hafte mein 2 din – koi extra kharch nahi.
3. Automatic saving
Bank se auto-transfer.
Sochne ka mauka hi nahi.
Isi liye maine automatic saving habits develop karni shuru ki — jisme paisa aate hi alag ho jaaye, bina roz decision lene ke.
Step 5: Extra income ka pressure nahi, possibilities ki soch
Main yeh nahi kahunga ki side income asaan hoti hai.
Par possibilities hoti hain:
- Weekend freelance kaam
- Online skill seekhna
- Apni strength ko monetize karna
Mainne shuru mein sirf ₹2000 extra kamaye.
Par usse zyada important tha confidence – main sirf salary pe dependent nahi hoon.
Log kya kahenge? Is dar ne mujhe kaafi peeche rakha
Ek phase aaya jab main friends ke saath plans avoid karne laga.
Mujhe laga log bolenge, “Kanjoos ho gaya hai.”
Par sach?
Kuch log samjhe, kuch nahi.
Aur dheere-dheere mujhe farq padna band ho gaya.
Kyuki main jaanta tha ki main apne future ke liye sahi kar raha hoon.
👉 Saving karna weakness nahi, self-respect hai.
6 mahine baad: Jab maine pehli baar emergency fund dekha
₹30,000.
Shayad kisi ke liye chhota amount, par mere liye bohot bada tha.
Us din mujhe mehsoos hua:
- Neend better hai
- Stress kam hai
- Decision lene ka confidence zyada hai
Yahi asli reward hai.
Salary kam ho to saving kaise kare – logon ke common sawaal (FAQs)
Q1. Kam salary mein saving realistically possible hai?
Bilkul. Saving amount se zyada habit par depend karti hai.
Q2. Kitni salary ho toh saving shuru karni chahiye?
Koi minimum salary nahi hoti. ₹10,000 ho ya ₹50,000 – saving tab shuru hoti hai jab aap decide karte ho.
Q3. Agar family responsibilities zyada ho toh?
Tab toh saving aur bhi zaroori hai. Amount chhota rakho, par continuity mat todo.
Q4. Saving aur investment mein kya pehle kare?
Pehle emergency saving. Phir dheere-dheere investment.
Q5. Motivation kaise banaye rakhein?
Apne “kyun” ko yaad rakho – security, freedom, self-respect.
Ant mein: Meri aapse ek dil se baat
Agar aap abhi struggle kar rahe ho, toh main aapko judge nahi kar raha.
Main wahi raha hoon.
Par main yeh zaroor kehna chahta hoon:
👉 Salary kam ho to saving kaise kare ka jawab aapke control mein hai.
Perfect mat bano.
Bas honest bano – apne paison ke saath, apne future ke saath.
Aaj ₹500 bacha paoge, kal ₹5000.
Par sabse important hai – shuruat.
People Also Read: Monthly Budget Kaise Banaye Indian Family Ke Liye – Middle Class Family Ka Simple & Practical Guide
Agar meri kahani se aapko thoda sa bhi hope mila ho, toh comment ya share zaroor karna.
Hum sab is journey mein saath hain.