1. Introduction: Sochna Asaan Hai, Karna Mushkil?
Chalo, ek sawaal poochta hoon — kya aapne kabhi socha hai,
"Yaar, kaash mere paas bhi ₹1 lakh ka extra paisa hota savings mein"?
Honestly, hum sabne socha hai. Par jab mahine ke end mein salary ka balance ₹257 bacha hota hai, toh sapna thoda door lagta hai, hai na? 😅
But guess what? Yeh 1 lakh bachana impossible nahi hai.
Thoda planning, thoda discipline, aur thoda jugaad — bas yeh teen chabi chahiye.
By the way, main khud yeh challenge 2022 mein complete kiya tha (haan, asli zindagi ka experience!). Pehle thoda tough laga, lekin jab maine first ₹10,000 save kiya na… uss din ka sukoon priceless tha! 😍
Let’s dive in — beginner se pro tak ka yeh step-by-step guide, jo aapko ₹1 lakh tak le jaayega bina zyada dard ke!
2. Core Rule: ₹8,334 Mahine Ka Target! 🤑
Pehla step? Simple math karte hain.
₹1,00,000 ÷ 12 mahine = ₹8,334 per month
Ab aap bologe, "Yaar, itna kaise bachaun?"
Don’t worry, main yahan hoon.
Let’s break it down step by step, jisme salary wale bhi fit ho jaayein, aur freelancers bhi!
3. Step 1: Apne Expenses Ki Surgery Karo 🔪
Audit Karo Apni Monthly Kharche Ki Report
Jitna dard hota hai dentist ke paas jaake, utna hi painful hai apne kharche dekhna. But boss, zaroori hai!
-
Bank statement nikaalo pichle 3 mahine ka
-
Categories banao: Rent, Khana, Shopping, Swiggy/Zomato, Netflix
-
Dekho kahaan "leak" ho raha hai paisa jaise pani ka nali!
Real Life Example:
Main har weekend pizza order karta tha ₹500 ka.
Monthly ₹2000 sirf cheese crust ke liye jaa raha tha. 🤦♂️
Wahi band karke ₹24,000 saal ka save kar diya!
4. Step 2: 50-30-20 Rule Lagao (Budgeting Ka Bapu) 📊
Budget Split Karo:
-
50% Needs (Rent, Bills, Ration)
-
30% Wants (Movies, Outing, Online shopping)
-
20% Savings (Yeh wala 20% direct ₹8,000 ban jaata hai)
By the way, agar aap abhi 0% save karte ho, toh 20% pe shift karna thoda jhatka dega.
But after 2 mahine, aadat lag jaati hai — jaise kadwa karela peene ki! 😄
5. Step 3: Auto-Saving Lagao (Apne Future Ko EMI Samjho) 💪
EMI ka discipline lagao savings pe bhi:
-
Auto-debit karwao salary se SIP ya Recurring Deposit (RD) me
-
Apps jaise Groww, ETMONEY, Kuvera me ₹500 se shuru kar sakte ho
-
Bank me Auto RD lagwao, har mahine cut ho jaaye bina puchhe
Honestly, jab paisa dikhai nahi deta account me, tab hi bacha rehta hai!
Out of sight = out of spend!
6. Step 4: Extra Income Ka Engine Chalu Karo 🚀
Side Hustles Ideas Jo Mainne Khud Try Kiya:
-
Freelancing (Content writing, Canva design)
-
Reselling (Meesho, GlowRoad pe products bechke)
-
Tutoring (Weekend online classes)
-
Microtasks (Swagbucks, ySense, user testing sites)
Agar aap mahine ke ₹3000-₹5000 extra kama lete ho, toh ₹1 lakh ka target sprint ban jaata hai marathon nahi!
Pro Tip:
Jo bhi side income aaye, pure ka pura save karo — usse motivation double hoti hai. 🔥
7. Step 5: Daily ₹275 Saving Challenge 🏦
Let’s gamify it, kyun?
₹1 lakh ko tod do chhote chhote bites me.
-
₹1,00,000 ÷ 365 days = ₹275/day
Matlab, roz ₹275 bachao toh saal me ₹1 lakh ho jaayega!
Chaahe chai-pakode skip karo ya Ola ke bajaye Metro pakdo — ₹275 daily target pakad lo!
8. Step 6: Apne "Lalachs" Ko Handle Karo 😂
Common Money Drainers:
-
Swiggy/Zomato orders
-
Amazon ka midnight sale
-
Impulse shopping mall ke "70% off" wale boards
-
Friends ke weekend Goa plan (jo kabhi Goa nahi jaate 😅)
Pro Tip:
Har baar kuch kharidne ka man kare, toh 48 hours rule lagao.
Socho:
"Yeh 2 din baad bhi chahiye kya mujhe?"
Aksar answer aata hai — "Nahi!"
9. Bonus Step: Paisa Ko Paisa Banane Do 📈
-
FD/RD to hai hi
-
Lekin agar thoda risk chalta hai, toh SIP in Equity Mutual Funds start karo
-
₹5000 monthly SIP ka historical return 12-14% tak jaata hai
-
Toh ₹1 lakh ka target jaldi hit karne ka shortcut bhi yehi hai!
By the way, mainne Parag Parikh Flexi Cap Fund me 2022 me start kiya tha — and trust me, ab tak accha return mila hai. (Not a sponsor, sirf real advice 😄)
10. FAQs (Optimized for Google Featured Snippets) 📈
Q1. ₹1 lakh save karne ka sabse asaan tareeka kya hai?
👉 Apna daily ₹275 saving challenge shuru karo aur 50-30-20 budgeting rule follow karo.
Q2. Kya ₹8,000 mahine ki saving sabke liye possible hai?
👉 Haan, thoda side income, thoda expense cutting karke ₹8,000 ka target realistic hai.
Q3. Kya mutual funds me paisa dalke faster ₹1 lakh banaya ja sakta hai?
👉 Haan, 12-14% annual return dene wale equity funds me SIP shuru karke aapka target jaldi pura ho sakta hai.
Q4. Kya ₹1 lakh saving me tax bhi bachta hai?
👉 Bilkul! Agar aap 80C ke under ELSS ya PPF me invest karte ho, toh tax benefit bhi milega.
11. Conclusion: Ready to Take The ₹1 Lakh Challenge? 🚀
Honestly, doston, ₹1 lakh save karna koi rocket science nahi hai.
Thoda mind ka gym karo, expenses ka diet control karo, aur income ka workout badhao — bas ban gaya financial six-pack! 💪💸
Mainne khud kiya hai, aap bhi kar sakte ho.
Aur socho zara — jab apne bank account me ₹1 lakh ka balance dikhai dega na… uss feeling ka koi price nahi hai. 😍
👉 Comment karo "I'm Ready for ₹1 Lakh Challenge!" agar aap bhi shuru kar rahe ho aaj se!
Aur apne dost ko tag karo jo hamesha bolta hai, "Bhai paisa bachta hi nahi!" 😅
0 Comments