Personal finance kaise shuru kare beginners ke liye?
Agar aapki salary aate hi khatam ho jaati hai, savings ka koi idea nahi, aur future ko lekar thoda darr lagta hai — toh iska simple solution hai: apne paiso ko samajhna aur chhote, sahi steps lena.
Main bhi bilkul aapki tarah hi tha — paisa kamane mein busy, par paisa sambhalne mein zero. Ye article meri wahi real journey hai jahan maine galtiyan ki, stress jhela, seekha, aur dheere-dheere apni financial life ko control mein lana shuru kiya.
Personal Finance Kaise Shuru Kare Beginners Ke Liye Jab Salary Aati Hai Par Tikti Nahi?
Main koi finance background se nahi hoon. Na CA, na MBA. Ek normal middle-class Indian family se hoon jahan paisa mehnat se aata tha aur jaldi kharch ho jaata tha.
Pehli job ke pehle din mujhe laga tha — “Ab toh life set hai.” Salary slip mili, doston ko treat diya, online shopping ki, EMIs li… aur teen mahine baad realize hua ki salary badhne ke baad bhi stress kam nahi hua.
Sabse bada shock tab laga jab ek chhoti si medical emergency mein mujhe parents se paisa maangna pada. Us din ego nahi, realization toot gayi.
Problem paisa kam hone ka nahi tha. Problem paisa handle na karne ka tha.
Yahin se meri personal finance journey shuru hui.
Personal Finance Ka Matlab Kya Hai? (Jo Koi School Mein Nahi Batata)
Personal finance koi boring subject nahi hai. Ye sirf 5 cheezon ka khel hai:
- Aap paisa kaise kamate ho
- Aap paisa kaise kharch karte ho
- Aap kitna bachate ho
- Aap paisa kahan invest karte ho
- Aap emergencies ke liye kitne ready ho
Mujhe pehle lagta tha finance sirf ameer logon ke liye hota hai. Par sach ye hai:
Personal finance beginners ke liye isliye zaroori hai kyunki galtiyan shuru mein sasti hoti hain.
Reserve Bank of India ke data ke according, India mein zyada tar log paisa kamate toh hain, par savings aur planning ki aadat develop nahi kar paate — aur yahin se financial stress shuru hota hai.
Step 1: Paisa Ka Flow Samjho – “Mera Paisa Jata Kahan Hai?”
Meri Sabse Badi Galti
Main salary aane ke baad sirf balance dekhta tha, expenses nahi. End mein sirf sochta tha — “Pata nahi paisa kahan gaya.”
Ek din maine ek simple experiment kiya:
- 30 din tak har kharcha likha
- Chai, cab, Zomato, subscriptions — sab kuch
Result?
Shock.
Choti choti cheezein milkar meri salary ka 35–40% kha ja rahi thi.
Aap Kya Kar Sakte Ho
- Ek notebook ya free app lo
- Har kharcha likho (judge mat karo)
- 1 mahine baad analysis karo
Application Tip:
Agar aap paisa track nahi kar rahe, toh aap control mein nahi ho.
Step 2: Budget Banana Seekho (Par Diet Jaise Mat Banao)
Main pehle budget ko punishment samajhta tha.
“No pizza”, “No shopping”, “No fun” — ye sab sunke hi main fail ho jaata tha.
Phir mujhe ek baat samajh aayi:
Budget restriction nahi, direction hota hai.
Simple Beginner Budget Formula (50-30-20 se bhi easy)
- Needs (Zaroori kharche) – Rent, food, bills
- Wants (Khushi ke kharche) – Movies, shopping
- Savings/Investments – Future ke liye
Shuru mein percentage perfect hona zaroori nahi. Bas saving pehle nikaalo, baaki baad mein adjust karo.
Meri Seekh
Jab maine “jo bachega woh save karunga” chhod ke
“jo save karna hai woh pehle” shuru kiya — life badal gayi.
Step 3: Emergency Fund – Jab Zindagi Plan Follow Nahi Karti
Emergency fund mujhe tab samajh aaya jab emergency aayi.
Job change, medical bill, family responsibility — life kisi ko notice nahi deti.
Emergency Fund Kya Hota Hai?
- 3–6 mahine ke expenses
- Easily accessible account mein
- Investment nahi, safety priority
Beginners Ke Liye Practical Start
- Target bada mat rakho
- Pehle ₹10,000
- Phir ₹50,000
- Phir 3 months expenses
Emergency fund aapko paisa nahi, mental peace deta hai.
Step 4: Savings vs Investment – Ye Confusion Mujhe Mehenga Pada
Main sochta tha FD = investment.
Truth? FD sirf inflation se thoda bachati hai.
Savings
- Safe
- Low return
- Short term goals
Investment
- Thoda risk
- Long term growth
- Future freedom
Meri Pehli Investment Fear
“Market gir gaya toh?”
“Paise doob gaye toh?”
Par jab maine samjha ki time market se zyada important hai, tab confidence aaya.
Agar aap beginner ho aur risk se darte ho, toh SEBI ki official investor education guidelines padhna ek safe aur smart starting point hota hai.
Step 5: Beginners Ke Liye Investment Ka Simple Raasta
Main koi expert nahi tha. Isliye maine complexity chhod di.
Maine Kya Kiya
- SIP shuru ki
- Small amount se start
- Consistency pe focus
Aap Ke Liye Golden Rules
- Shuru karo chahe ₹500 se
- Regular raho
- Jaldi rich hone ke sapne mat dekho
Maine SIP shuru karne se pehle basics samajhne ke liye AMFI ke beginner resources dekhe, jisse mujhe clarity mili aur unnecessary fear kam hua.
Investment patience ka test hota hai, intelligence ka nahi.
Step 6: Debt Se Dosti Nahi, Samajhdari Rakho
EMI lene mein maza aata hai. Chukane mein nahi.
Good Debt vs Bad Debt
- Good: Education, skill, business
- Bad: Lifestyle, gadgets, impulse shopping
Meri Galti
Credit card ko free money samajhna.
Interest rate samajhne mein der ho gayi.
Lesson
Agar aaj khushi EMI pe le rahe ho, kal stress bhi EMI pe aayega.
Step 7: Financial Goals – Paisa Kyun Kama Rahe Ho?
Ek din maine khud se poocha: “Main itni mehnat kyun kar raha hoon?”
Tab realize hua — bina goal ke paisa directionless hota hai.
Goals Examples
- 1 saal mein emergency fund
- 5 saal mein ghar ka down payment
- Retirement ke liye freedom
Goals likhne se paisa emotional ho jaata hai — aur tab discipline aata hai.
Step 8: Financial Literacy – Jo Mujhe Khud Seekhni Padi
School ne trigonometry sikhayi.
Par salary slip ka meaning nahi.
Main Kaise Seekha
- Simple blogs
- YouTube videos
- Galtiyan karke
Aapko expert banne ki zaroorat nahi.
Bas itna seekh lo ki koi aapko bewakoof na bana sake.
Step 9: Mindset Shift – Sabse Bada Investment
Sabse bada change paiso mein nahi, soch mein aaya.
- Comparison chhoda
- Instagram lifestyle ignore ki
- Apni speed accept ki
Personal finance kaise shuru kare beginners ke liye ka asli jawab hai — apni journey ko accept karna.
Frequently Asked Questions (FAQs)
1. Personal finance beginners ke liye sabse pehla step kya hona chahiye?
Sabse pehle apne expenses track karo aur ek simple budget banao.
2. Kitni salary mein personal finance shuru ki ja sakti hai?
Kisi bhi salary mein. Paisa kam ho sakta hai, habit free hoti hai.
3. Investment shuru karne ka best time kab hai?
Jab aap shuru karo — wahi best time hota hai.
4. Kya bina finance background ke investment safe hai?
Haan, agar simple products aur long-term approach rakho.
5. Personal finance seekhne mein kitna time lagta hai?
Basics seekhne mein kuch mahine, mastery ek lifetime.
Conclusion: Agar Main Kar Sakta Hoon, Toh Aap Bhi Kar Sakte Ho
Main aaj bhi seekh raha hoon.
Main perfect nahi hoon.
Par main aware hoon — aur ye hi sabse badi jeet hai.
Agar aap is article ke baad:
- Ek expense likhne lage
- Ek SIP shuru kare
- Ek emergency fund ka plan banaye
Toh samajh lo personal finance kaise shuru kare beginners ke liye — iska jawab aapne apni life mein apply kar diya.
Read Also: Rich Dad Poor Dad PDF Free Download – Unlocking Financial Freedom
Aaj se shuru karo. Kal perfect ho jana.