महीने के लास्ट में नहीं बचते पैसे, तो अपनाएं एक्सपर्ट के ये 10 मनी सेविंग टिप्स

[{"selector":"#anim-09bf4e61-6755-40ae-9615-cc744623678a","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b169ffb9-fb3f-4dff-bc1f-33a69ba1856f","keyframes":{"transform":["translate3d(0px, 124.77153%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: pinterest by Roopali Sharma | dec 27 , 2025

बेहतर सैलरी मैनेजमेंट और मनी सेविंग के लिए आपके पास कितने अकाउंट होने चाहिए, आइये जानते है इसके बारे में:

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एक्सपर्ट के अनुसार आपके पास 3 बैंक अकाउंट- सैलरी अकाउंट, सेविंग अकाउंट और इमरजेंसी फंड अकाउंट होना चाहिए

[{"selector":"#anim-19faebd2-6528-4e9d-b686-b5172a4cf17c","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a8101f35-c3b8-4512-9de2-02fe5f5fc886","keyframes":{"transform":["translate3d(0px, 136.38888%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-39c38120-4069-49ca-a5a8-ae586f4f06ca","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-01c2c770-5ea9-43ed-a562-a06f861a0b29","keyframes":{"transform":["translate3d(0px, 154.41327%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: pinterest

अपनी इनहैंड सैलरी का 50% जरूरतों पर, 30% इच्छाओं पर खर्च करें और कम से कम 20% बचत/इन्वेस्ट में डालें

[{"selector":"#anim-584e01b5-8842-4e4d-bc29-32704fb15704","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-310f91c1-2bbc-409e-93b9-629f2297693a","keyframes":{"transform":["translate3d(0px, 136.38888%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-11fc861f-75fd-4e5b-bd57-9cbd76ce6dd1","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e9a0f2f9-1513-4dde-9160-b8426369748f","keyframes":{"transform":["translate3d(0px, 154.41327%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1004bc27-fed3-4ff7-9dc3-4d717f6f1c4f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(45.77499990386074%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: pinterest

म्यूचुअल फंड या PPF में इन्वेस्ट के लिए SIP स्टार्ट करें ताकि सैलरी आते ही पैसा खुद-ब-खुद इन्वेस्ट हो जाए

[{"selector":"#anim-e3277f1a-4b69-44b4-84a2-702cf86d0a3e","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a8d70e49-a03d-4c48-ad4b-f434baabf831","keyframes":{"transform":["translate3d(0px, 136.38888%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3309702c-101e-4a9a-af70-db162cd74b3c","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-20105ae9-b931-4e18-8929-c6bb81217ac6","keyframes":{"transform":["translate3d(0px, 156.28240%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-96abd58b-f395-4eea-843c-7a289a468ea8 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-7.187499829338588%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: pinterest

हर छोटे-बड़े खर्च को ट्रैक करने के लिए Monefy या Wallet जैसे ऐप्स का यूज करें, यह फालतू खर्चो पर नजर रखेगा

[{"selector":"#anim-f8e67cd7-442f-41b8-bb27-0d9922251d91","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2518c25c-3684-4404-9648-37cb4ada41ab","keyframes":{"transform":["translate3d(0px, 135.76389%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-38902ef5-1fa0-475f-92f9-fb42da0926f3","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-04b67c8a-01b8-4085-9d36-28a6ebf8c45f","keyframes":{"transform":["translate3d(0px, 155.34784%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-20c388f9-a4ca-4178-a34b-3497754d267b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Image Credit: pinterest

क्रेडिट कार्ड का यूज केवल रिवोर्ड पोइंट्स और क्रेडिट स्कोर के लिए करें, बिल का पेमेंट समय पर और पूरा करें

[{"selector":"#anim-ed87999f-e625-49cc-b978-b54540868356","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2bc2a2e0-469d-4f0b-afc1-4f77781435a2","keyframes":{"transform":["translate3d(0px, 135.76389%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e979481-2401-4ba1-b186-1214bc95d065","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-86745bb7-10e5-45fe-a33f-103d7f680f07","keyframes":{"transform":["translate3d(0px, 155.34784%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cc430611-e45f-4c59-99ef-52be8fe88a89 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(25.833333219559062%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: pinterest

किसी भी इन्वेस्ट से पहले इमरजेंसी फंड तैयार करें, इसे लिक्विड फंड या अलग सेविंग अकाउंट में रखें

[{"selector":"#anim-733ca007-4e62-4044-8933-c46e8a135411","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a41daa3e-dfb7-4bbc-974d-bb60a1daa7cd","keyframes":{"transform":["translate3d(0px, 135.76389%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2aba7992-f17c-4353-a3bd-952f442ce6c2","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d859ee07-78b1-4351-b331-19dbb5b67302","keyframes":{"transform":["translate3d(0px, 155.34784%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: pinterest

उन ऐप्स या ओटीटी प्लेटफोर्म्स के सब्सक्रिप्शन कैंसल करें, जिन्हें आप यूज नहीं करते है

[{"selector":"#anim-628b7e22-ee33-4e39-a563-228dcf71c73d","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7aa11d72-1598-487e-98c1-49b8ff8b01ff","keyframes":{"transform":["translate3d(0px, 143.02422%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d64e333-313c-4eed-81fa-ef455e931402","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-53fd5c48-2610-4f79-9a14-712499e3b702","keyframes":{"transform":["translate3d(0px, 172.77786%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f298ca7-7902-428c-8923-f6ac5558fc6e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-1.873624194620754%, 16.253111121292704%) scale(1.3968253968253967)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Image Credit: pinterest

कोई भी एक्सपेंसिव चीज़ खरीदने से पहले 30 दिन वेट करें, फिर यदि जरूरत महसूस हो, तभी खरीदें

[{"selector":"#anim-9f014ecc-555f-4c34-be2e-59e14456771d","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5beadfb0-c919-4dcf-a2ab-df5aabab61f3","keyframes":{"transform":["translate3d(0px, 134.68014%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e41b66f-c1a7-4df1-82b2-232f4f03ab63","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e504c0ba-2e89-4935-8cd8-bf6e8131c449","keyframes":{"transform":["translate3d(0px, 156.28240%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: pinterest

टैक्स सेविंग के लिए ELSS, NPS या इंस्योरेंस में समय रहते इन्वेस्ट करें ताकि लास्ट में एक साथ पैसा न कटे

[{"selector":"#anim-ddd8c1e8-80e6-470a-9847-54009b4e720c","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d523983f-af04-4552-a2a6-66eddda0239d","keyframes":{"transform":["translate3d(0px, 136.68091%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-36ce2806-e13e-42e1-bb44-9b92595237e3","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-01629aa7-fb3e-49b2-b092-235dcde73ab0","keyframes":{"transform":["translate3d(0px, 156.28240%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d168a6b5-c5be-4fef-a367-c16015ce0151 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(21.874999829338595%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: pinterest

विंटर में भी दिखें स्टाइलिश इन लेटेस्ट वेलवेट नाइट सूट से Find out More

महीने के लास्ट में नहीं बचते पैसे, तो अपनाएं एक्सपर्ट के ये 10 मनी सेविंग टिप्स

बेहतर सैलरी मैनेजमेंट और मनी सेविंग के लिए आपके पास कितने अकाउंट होने चाहिए, आइये जानते है इसके बारे में:

एक्सपर्ट के अनुसार आपके पास 3 बैंक अकाउंट- सैलरी अकाउंट, सेविंग अकाउंट और इमरजेंसी फंड अकाउंट होना चाहिए

तीन बैंक अकाउंट

अपनी इनहैंड सैलरी का 50% जरूरतों पर, 30% इच्छाओं पर खर्च करें और कम से कम 20% बचत/इन्वेस्ट में डालें

पैसे बचाने के टिप्स

म्यूचुअल फंड या PPF में इन्वेस्ट के लिए SIP स्टार्ट करें ताकि सैलरी आते ही पैसा खुद-ब-खुद इन्वेस्ट हो जाए

ओटोमेटेड इन्वेस्टमेंट (SIP)

हर छोटे-बड़े खर्च को ट्रैक करने के लिए Monefy या Wallet जैसे ऐप्स का यूज करें, यह फालतू खर्चो पर नजर रखेगा

बजट ट्रैक करें

क्रेडिट कार्ड का यूज केवल रिवोर्ड पोइंट्स और क्रेडिट स्कोर के लिए करें, बिल का पेमेंट समय पर और पूरा करें

क्रेडिट कार्ड का सही यूज

किसी भी इन्वेस्ट से पहले इमरजेंसी फंड तैयार करें, इसे लिक्विड फंड या अलग सेविंग अकाउंट में रखें

इमरजेंसी फंड बनाएं

उन ऐप्स या ओटीटी प्लेटफोर्म्स के सब्सक्रिप्शन कैंसल करें, जिन्हें आप यूज नहीं करते है

फालतू सब्सक्रिप्शन बंद करें

कोई भी एक्सपेंसिव चीज़ खरीदने से पहले 30 दिन वेट करें, फिर यदि जरूरत महसूस हो, तभी खरीदें

30-दिन का नियम

टैक्स सेविंग के लिए ELSS, NPS या इंस्योरेंस में समय रहते इन्वेस्ट करें ताकि लास्ट में एक साथ पैसा न कटे

टैक्स प्लानिंग करें