Friends Ham aajkal Kafi Logon Ko Pareshan dekhte hain jinhone Loan to le liya hai lekin ab pay karne me kafi pareshani aa rahi hai, so hum aaj aapko Loan se free hone ke liye apnaye ye niyam, Jo niche Diye hue hain. aaj ke time per Aisa Koi Bhi Nahin Hai I think koi bhi nahin Hoga Jiske pass Koi Na Koi loan Na Ho kisi ke pass home loan hai ya FIR kisi ke pass kar loan hai ya Kisi Ne personal loan liya hua hai ya Kisi Ne credit card liya Hua Hai Kisi Ne mobile hi loan per liya Hua Hai To aajkal log Itna jaldi Itna frequently Lete Hain ki bad Mein apne liye loan se pareshani Badha Lete Hain. Ham dekhte hain ki pahle to log loan Le Lete Hain Uske bad apni Puri Jindagi ine Logon Ko chukane Mein nikal Dete Hain.
Is se na to vah financially free hote hain aur na hi tension free rahte hain. Kuchh Aise Bhi log Hain jinhone pahle to Ek loan le liya aur usko repair karne ke liye Vahi dusra loan bhi le lete hain jisse Unka Ek loan to repay Nahin hota hai jabki dusra loan bhi chalu ho jata hai matlab stress Jyada badh jata hai. To friends Agar aapane bhi loan liya hua hai aur aap ujos se free Hona Chahte Hain To aap yah blog Jarur Padhiye. Is blog Mein Ham aapko ek book jo ki Dave Ramsey dwara likhi gayi hai, usme bataye hue kuch steps ke bare me aapko batayenge. Agar aapne in steps ko follow kiya to karz(loan) se to free ho hi jayenge sath hi aap financial stability bhi bana sakte hain. Lekin aapko kuch rules Hain jo follow karne honge agar aap loan ya karz se free hona chahte Hain to. Aapko sab steps follow karni hogi koi bhi steps miss nhi karni tabhi aap loans se free ho sakte hain. To aayiye niche jante Hain ki wo steps kya hai?.
1. Sabse pahle 1 lakh rupees save karen
Friends iska matlab hai ki jitna jaldi ho sake aapko 1 lakh rupees tak save karna hai. Agar hum soche to 1 lakh rupees koi jayada badi amount nhi Hain jo hum save na kar sake. Na hi yeh amount aapko financially free karega, yeh ek emergency fund hai jo jarurat padne par aapke kaam aa sakti hai. Jaise aaj kal hum dekhte hain ki companies apne employees ko short notice pe nikal deti hai, ya hum kahe ki corona ke time pe bhi kitne logo ki naukri chali gayi thi. To aisi koi bhi emergency aa jaye to kuch savings humare paas rahegi jisko hum use kar sakte hain. Jab bhi aap ye 1 lakh save karne lagenge aap khud hi discipline me rahna shuru kar denge aur sab chiz ka budget bana kar chalenge. Aap bina budget banaye paise save nhi kar sakte.
2. Debt snowball (chote se bada karja) ki list tayar karen
Ismein aapko Apne karj ke bare mein samajhna hoga. Agar aapke pass home loan kar loan personal loan ya credit card ya koi aur karja nahin hai to aap bahut hi jaldi Amir ho sakte hain lekin aajkal hardly Koi hi aisi family Hogi Jiske pass Koi Na Koi loan na ho sab apni jaruraton ko pura karne ke liye loan Lete Hain To Hamen yah sochne ki jarurat hai ki agar Sabke pass loan hai to loan ko khatm kaise karenge aur sabse pahle kis loan ko khatm Karenge To Agar Ham normali bolenge ki Hamen sabse pahle Bada loan clear karna chahie matlab jo Jyada amount ka loan hai use Hamen pahle clear karna chahie. Lekin book ke Udhar Kahate Hain Ki Hamen sabse pahle Apne Chhote loan ko clear karna chahie matlab jo loan sabse kam amount ka hai Sabse pahle usko repair Karen iske liye aap Sabki Sab loan ki EMI bharane ke baad Jitna Bhi Paisa Aapke pass bachta hai vah usmein se Kuchh Jyada Paisa sabse Chhote loan ko repair karne mein lagaiye. Aur Is Tarah Se FIR dusra Chhota loan Teesra Chhota loan Aise clear Karte Rahana chahie AB AB Kahenge ki Bade loan ki EMI Bhi Jyada hoti hai agar Ham math se calculate karen to Lekin yah bhi hai ki agar Ham Chhota loan jaldi clear Karenge To Hamen Ek confidence aata hai Ham emotionally strong Hote Hain Ki Jab ham Chhota loan clear kar sakte hain To Ham Bada loan Kyon Nahin clear kar Payenge isase aapko Ek self confidence bhi Milta Hai.
3. Emergency fund save karna start karen
Friends Agar aapane Upar ke do steps follow kar liye hain matlab Apne Rs 100000 bhi save kar liya hai aur apne Chhote se bade loan ko bhi clear kar liya hai to aapko yah step follow karna hai. Emergency fund aapko save karna hai. Ab aap Kahenge ki aapane first time mein bhi emergency fund hi save kiya tha lekin Nahin, emergency fund vah Nahin Hai Jo aapane first step Mein sev Kiya Hai. Emergency fund hota hai aapke 6 mahine ka kharcha matlab Agar aapke ghar ka ek mahine ka kharcha 50000 hai to aapko kam se kam teen lakh rupaye apne pass save karne Honge. ya Agar aapke ghar ka kharcha 1 lakh hai to aapko 600000 sev karne Honge. Yeh emergency fund aapki family sab condition me protect karega. Aap ye bhi sochenge ki itna paisa aap kisi mutual fund ya koi aur investment scheme me lagate Hain to aapko accha return mil jayega. Lekin nhi yeh wo fund hai jo aapko aur aapki family ko secure karega. Paise se paisa kaise banana hai ye hum aage ke steps me dekhenge.
4. Retirement ke liye invest karna start kar dijiye
Agar hum apna future secure karna chahte hain to hamen apne retirement ki pahle se tayari karni hogi. Hum sochte hain ki hamare pass to Koi government job nhi hai to hum retirement ka funds kahan se layenge. Retirement ka matlab hai ki agar aap 1 age ke baad kaam na bhi karna chaho tab bhi aapka paisa aapke liye kaam karta rahe. Isliye apne paise ko aisi jagah invest karna hai jahan aapka paisa mehnat karke paisa banaye. Isliye aapko apna paisa stock market ya mutual fund me invest karna chahiye. Aapko aapki salary ka 15% aisi jagah invest karna hai jahan se aapko return kam se kam 12-15% tak mile to ye aapke future ko financially secure kar sakta hai.
5. College funds ko jodna shuru karen
Ab aap soch rahe honge ki aapko college funds ki kya jarurat hai. Yahan baat aapki nhi aapke baccho ki ho rahi hai. Ji haan agar aap apne bacche ko kisi acchi university me bhejna chahte hain ya mba karwana chahte hain to uski fees ki tayari aaj se hi shuru kar dijiye. Aap aaj ki jo fees hai usme inflation ko add kar ke 20 saal ke liye calculate karen, uske hisab se jodna shuru karen.
6. Home loan ko pay karna ka sochen
Friends hum sab jante hain ki mostly home loan aapko 20-30 saal Ke liye milta hai. Aur yeh kafi badi amount bhi hoti hai. To agar hum ise pahle pay karne ka sochte to hamari kitni chiz baki rah jati. Isliye ab aapne jitni bhi planning pahle ki hai uske alawa aap kahan kahan se paisa bacha sakte hain. Jitna bhi paisa aapke pass ho, emi ko chod kar (agar koi emi chal rahi hai to) home loan ko pay karna shuru karen. Chache aapko aapke office se bonus mile ya kahin aur investment se, to jitna jaldi ho sake home loan ko chukana shuru karen. Jab aapka home loan khatam ho jayega samjho aapka sabse bada stress khatam ho gaya.
7. Wealth banane par dhyan de
Ab aapka home loan bhi khatam ho gaya hai to ab time hai aapke paise ko kaam pe lagane ka matlab paise se paisa banane ka. Aapko sabse pahle share market aur real estate ki jaankari leni hogi. Agar aapko kuch kamana hai to sabse pahle aapko sikhna padega. Paise ko kaam Par lagane se pahle khud ko kaam par lagayen aur share market ki jaankari le. Aapke friends aapko bolenge ki account kahan open karna hai fees kahan pay karni to iske liye kafi apps hai jo aapka kaam aasan kar deti hain. Aap pahle acche se companies ke bare me research karen fir unme invest karen. Aap bina knowledge liye kisi bhi company me invest na karen. Share market me aap invest kar ke 30%tak bhi return le sakte hain.
Agar aapne uper ke 7 steps follow kar liye hain to aap apni family ke sath enjoy kar sakte hain aapko jo bhi kharidna ho kharid sakte hain, travel kar sakte hain. In short aapki, life me koi compromise nhi hoga. Sath hi apne paise ko reinvest karna hai, jis se ki paisa aur aata rahe. Aap kisi ki bhi madad kar sakte hain jaise agar aap kabhi hospital me gaye to kisi ka hospital bill pay kar sakte hain ya kisi bacche ki school fees. In sabse aapko 1 alag hi ahsas hoga.
Agar aap uper wala blog accha laga to comment kar ke jarur batayen. Aur sath hi aapko Kaunsa step accha laga ye bhi bataye.
Aapke pass aur bhi tarike hain loan se free hone ke to hamare sath please share karen.
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