Toh suna hai 50-30-20 rule ke baare mein? Finance wale circles mein toh kaafi popular hai. Lekin jab apni salary dekhi aur kharche gina, toh laga – “Haan haan, sahi hai… iss mehngai mein?”
Don’t worry, yeh feeling sirf aapko nahi hoti. Par ek baar suno toh sahi — yeh rule koi rich logon ke liye nahi bana. Yeh ek simple, flexible budgeting formula hai jo normal income par bhi kaam karta hai. Bas thoda desi tadka chahiye. 😄
Chalo isko samajhte hain bilkul uss chai ki tarah — halka garam, comforting aur sabka favourite!
50-30-20 Rule Hota Kya Hai?
Sabse basic version:
-
50% income goes to needs
-
30% for wants
-
20% for savings or debt repayment
Simple lag raha hai na? Bas isi simplicity mein hi iska magic hai. It’s more of a guide, not some hardcore rulebook.
"Needs" ka matlab?
Zaroori cheezein, bina jin ke guzara mushkil ho jaaye:
-
Rent/EMI
-
Electricity aur Wi-Fi (obviously!)
-
Ration/daily groceries
-
Office ya kaam pe jaane ka kharcha
-
Bacchon ki school fees
"Wants" kya hoti hain?
Mazze ki cheezein jo life ko spicy banati hain:
-
Weekend dinner plans
-
Netflix ka monthly charge
-
2 AM Amazon shopping
-
Gym membership ya trip planning
"Savings" mein kya aata hai?
Yeh future ke liye:
-
Emergency fund
-
SIPs / Mutual Funds
-
Credit card ka repayment
-
PPF / NPS
Kya Yeh India Mein Kaam Karta Hai?
Sach kahun toh – haan. Thoda customize karna padta hai bas.
India mein toh har hafte shaadi, kabhi cousin ka birthday, kabhi emergency hospital trip. Plus, joint families bhi hoti hain. But agar thoda adjust karo, yeh rule mast kaam karta hai.
Real Example: Meet Priya
Mumbai mein kaam karne wali Priya ki salary hai ₹60,000 per month (after tax). Usne rule ka desi version apply kiya:
-
Needs – ₹30,000: Rent ₹15k, Groceries ₹6k, Travel ₹2k, Bills ₹3k, Family ₹4k
-
Wants – ₹15,000: Gym, Netflix, Dinners, Shopping
-
Savings – ₹15,000: SIP ₹6k, Emergency fund ₹4k, Loan repayment ₹5k
Har mahina 100% nahi follow hua, par 70% bhi kiya toh 6 mahine mein financial stress kam ho gaya.
Budget Fail Kyu Hote Hain? Aur Yeh Rule Different Kaise Hai?
Sach bolun? Budget banate sab excited hote hain, lekin 2 hafte mein sab hawa ho jata hai. Kyun?
-
Complex Excel sheets
-
Unrealistic goals
-
Guilt-based planning
50-30-20 rule simple hai, yaad bhi rahta hai, aur life enjoy karne ki permission bhi deta hai.
Btw, kisne bola financial discipline ka matlab hai boring life? Pani puri bhi chahiye aur peace bhi — dono ho sakte hain! 😉
Real Life Mein Kaise Use Karein?
Step 1: Pehle Income Ginna Seekho
Net income kya aata hai bank account mein — woh gino. Freelance ho toh 3-month ka average lo.
Step 2: Expenses Track Karo
2-3 mahine ka bank statement uthao. Kya kharcha kaha ja raha hai — note karo.
Apps for help:
-
Walnut
-
Money Manager
-
Google Sheets (ha, old-school bhi kaam ka hai)
Step 3: Split the Budget
-
50% → Needs
-
30% → Wants
-
20% → Savings/Debt
Tough lag raha hai? 60-25-15 se shuru karo. Perfection se zyada progress important hai.
Step 4: Har Mahina Review Karo
Festivals, medical emergencies, ya trip plans — sab flexible honi chahiye.
Step 5: Sunday Ritual Banao
Har Sunday 15 min ka budget check karo — like apni favourite chai ke sath.
Pro Banane Ke Tips 🚀
-
Automate karo savings – Jitni jaldi paisa nikal jaaye, utna bacha rahega.
-
Cash use karo wants ke liye – Jab real note jaata hai, toh soch samajh ke kharch hota hai.
-
Self-reward do – 3 mahine discipline? Treat lo bhai!
-
YOLO fund banao – Guilt-free kharch karne ka mini stash.
FAQs – Common Sawalon Ke Jawaab 🤔
Q: Irregular income ho toh?
👉 3 month ka average nikaalo. Sabse kam wale month ko base banao.
Q: Students ke liye yeh rule sahi hai?
👉 Bilkul! Savings ke jagah student loan ya emergency fund build karo.
Q: Parents ke saath rehta hoon. Apply kaise karun?
👉 Fantastic! Needs kam hain, toh savings bada do ya invest aur zyada karo.
Q: Ratio change kar sakte hain kya?
👉 Haan bhai, kyun nahi! 60-20-20 ya 40-30-30 bhi try karo.
Akhri Baat: Budget = Azadi, Boring Nahi 💬
Budget banana matlab “No” kehna nahi hota. Yeh toh “Yes” hota hai un cheezon ke liye jo sach mein matter karti hain.
50-30-20 rule ek compass ki tarah hai — jail nahi. Guide karta hai, trap nahi.
Start small, be consistent, aur slip ho bhi gaya toh koi nahi. Bas direction sahi ho toh destination mil hi jaata hai.
Tum kar loge. 💪💸
💬 Ab Tumhara Number Hai!
-
Tumne kabhi 50-30-20 try kiya?
-
Sabse bada budget ka challenge kya laga?
👇 Comment karke batao. Waise bhi, paisa ki baat toh apne doston se bhi share karni chahiye — especially jo har baar naya phone cover kharidte hain! 😄
📣 Call-to-Action
Agar yeh post pasand aaya:
-
💌 Newsletter subscribe karo – weekly finance tips ke liye
-
📱 Instagram pe follow karo – @thebudgetdost
-
🔖 Salary aane ke din is blog ko fir se padho!
Chalo budget ko boring se badass banate hain!
){kind=link}
0 Comments