Ye 12 Aadaten Aapako Vitteey Svatantrata Tak Pahunchane Mein Madad Karengee
Vitteey svatantrata praapt karana kaee logon ka lakshy hota hai. isaka aam taur par matalab hai ki aapake aur aapake parivaar ke lie jo jeevan shailee aap chaahate hain use vahan karane ke lie paryaapt bachat, nivesh aur nakad haath mein hai - aur ek badhata hua ghonsala anda jo aapako ek nishchit raashi arjit kie bina apane ichchhit kariyar ko ritaayar karane ya aage badhaane kee anumati dega. har saal.
durbhaagy se, bahut se log ise haasil karane mein asaphal hote hain. ve badhate karj, vitteey aapaat sthiti, kharch mein kamee, aur any muddon ke bojh tale dabe hain jo unhen apane lakshyon tak pahunchane se rokate hain. phir apratyaashit ghatanaen hotee hain, jaise ki ek toophaan ya bhookamp- ya mahaamaaree-jo yojanaon ko ulat detee hain aur unake suraksha jaal mein chhed prakat karatee hain jo pahale dikhaee nahin de rahee theen.
pareshaanee to lagabhag sabhee ko hotee hai, lekin ye 12 aadaten aapako sahee raaste par la sakatee hain.
Key Takeaways
- bade aur chhote, vitteey aur jeevan shailee donon ke jeevan lakshy nirdhaarit karen aur un lakshyon ko praapt karane ke lie ek khaaka taiyaar karen.
- apanee sabhee vitteey jarooraton ko poora karane ke lie ek bajat banaen aur us par tike rahen.
- kredit kaard ka poora bhugataan karen, taaki aap jitana sambhav ho utana kam karj len aur apane kredit par najar rakhen.
- apane niyokta kee sevaanivrtti yojana ke maadhyam se aur ek aapaatakaaleen nidhi sthaapit karake svachaalit bachat banaen.
- apane saamaan ka khyaal rakhen, kyonki rakharakhaav pratisthaapan se sasta hai, lekin isase bhee mahatvapoorn baat yah hai ki apana khyaal rakhen aur svasth rahen.
1. jeevan ke lakshy nirdhaarit karen | Set Life Goals
aapake lie vitteey svatantrata kya hai? isake lie ek saamaany ichchha bahut aspasht lakshy hai, isalie vishisht banen. yah likhen ki aapake baink khaate mein kitana hona chaahie, jeevan shailee kya hai aur yah kis umr mein haasil kiya jaana chaahie. aapake lakshy jitane adhik vishisht honge, unhen praapt karane kee sambhaavana utanee hee adhik hogee.
isake baad, apanee vartamaan aayu ko peechhe kee or ginen aur niyamit antaraal par vitteey meel ke patthar sthaapit karen. yah sab bade kareene se likhen aur lakshy patrak ko apane vitteey bandhan kee shuruaat mein hee rakhen.
2. bajat banaen | Make a Budget
maasik ghareloo bajat banaana—aur us par tike rahana—yah gaarantee dene ka sabase achchha tareeka hai ki sabhee bilon ka bhugataan kar diya gaya hai aur bachat traik par hai. yah ek niyamit dinacharya bhee hai jo aapake lakshyon ko pusht karatee hai aur chheentaakashee ke pralobhan ke khilaaph sankalp ko majaboot karatee hai.
3. kredit kaard ka poora bhugataan karen | Pay Off Credit Cards in Full
kredit kaard aur isee tarah ke uchch-byaaj vaale upabhokta rn dhan-nirmaan ke lie vishaakt hain. har maheene pooree shesh raashi ka bhugataan karane ke lie ise ek bindu banaen. chhaatr rn, bandhak, aur isee tarah ke rnon mein aam taur par bahut kam byaaj daren hotee hain; unhen bhugataan karana koee aapaat sthiti nahin hai. samay par bhugataan karana ek achchhee kredit reting hai aur isase banegee.
4. svachaalit bachat banaen | Create Automatic Savings
pahale khud bhugataan karen. apane niyokta kee sevaanivrtti yojana mein naamaankan karen aur kisee bhee milaan yogadaan laabh ka poora upayog karen. ek aapaatakaaleen nidhi ke lie svachaalit nikaasee karana bhee buddhimaanee hai, jise apratyaashit kharchon ke lie taip kiya ja sakata hai, aur brokarej khaate ya kuchh isee tarah ke svachaalit yogadaan ke lie.
aadarsh roop se, paisa usee din nikaala jaana chaahie jis din aap apanee tanakhvaah praapt karate hain, isalie yah kabhee bhee aapake haathon ko chhoota bhee nahin hai, pooree tarah se pralobhan se bachata hai. haalaanki, dhyaan rakhen ki bachaane ke lie anushansit raashi par atyadhik bahas hotee hai. kuchh maamalon mein aise phand kee vyavahaaryata par savaal ho sakata hai.
5. abhee nivesh karana shuroo karen | Start Investing Now
kharaab sheyar baajaar logon ko is par savaal khada kar sakate hain, lekin aitihaasik roop se nivesh ke maadhyam se aapake paise ko badhaane ka koee behatar tareeka nahin hai. chakravrddhi byaaj ka jaadoo samay ke saath ise tejee se badhaane mein madad karega, lekin saarthak vikaas haasil karane ke lie aapako bahut samay chaahie. stok pikar banane kee koshish na karen ya khud ko yah sochakar dhokha na den ki aap agale voren baphet ho sakate hain. sirph ek hee ho sakata hai.
isake bajaay, ek onalain brokarej khaata kholen jo aapake lie yah seekhana aasaan banaata hai ki kaise nivesh karana hai, ek prabandhaneey portapholiyo banaana hai, aur isamen saaptaahik ya maasik yogadaan svachaalit roop se karana hai. aarambh karane mein aapakee sahaayata karane ke lie hamane shuruaatee logon ke lie sarvashreshth onalain dalaalon ko sthaan diya hai.
6. apana kredit dekhen | Watch Your Credit
aapaka kredit skor nirdhaarit karata hai ki naee kaar khareedate samay ya ghar ko punarvitt karate samay aapako kis byaaj dar kee peshakash kee jaatee hai. yah kaar beema aur jeevan beema preemiyam jaisee prateet hone vaalee asambandhit cheejon ko bhee prabhaavit karata hai.
The reasoning is that someone with reckless financial habits is also likely to be reckless in other aspects of life, such as driving and drinking. This is why it’s important to get a credit report at regular intervals to make sure that there are no erroneous black marks ruining your good name. It may also be worth looking into one of the best credit monitoring services to further protect your information.
7. baatacheet | Negotiate
kaee amerikee vastuon aur sevaon ke lie baatacheet karane se hichakichaate hain, is chinta mein ki yah unhen sasta lagata hai. is saanskrtik baadha ko door karen aur aap har saal hajaaron bacha sakate hain. chhote vyavasaay, vishesh roop se, baatacheet ke lie khule hote hain, jahaan thok ya doharaane vaale vyavasaay mein khareedaaree achchhee chhoot ke dvaar khol sakatee hai.
8. satat shiksha | Continuous Education
yah sunishchit karane ke lie ki sabhee samaayojan aur katautiyaan adhikatam hain, pratyek varsh kar kaanoonon mein sabhee laagoo parivartanon kee sameeksha karen. sheyar baajaar mein vitteey samaachaar aur vikaas ke saath bane rahen aur apane nivesh portapholiyo ko tadanusaar samaayojit karane mein sankoch na karen. gyaan un logon ke khilaaph bhee sabase achchha bachaav hai jo tvarit paisa kamaane ke lie aparishkrt niveshakon ka shikaar karate hain.
9. uchit rakharakhaav | Proper Maintenance
sampatti kee achchhee dekhabhaal karane se kaaron aur ghaas kaatane vaalon se lekar joote aur kapade tak sab kuchh lambe samay tak chalata hai. choonki rakharakhaav kee laagat pratisthaapan kee laagat ka ek ansh hai, yah ek nivesh hai jise yaad nahin kiya jaana chaahie.
10. apane saadhanon se neeche jien | Live Below Your Means
kam ke saath jeevan ko poorn roop se jeene kee maanasikata rakhate hue ek mitavyayee jeevan shailee mein mahaarat haasil karana itana kathin nahin hai. vaastav mein, kaee dhanee vyaktiyon ne sampannata kee or badhane se pahale apane saadhanon se neeche rahane kee aadat vikasit kar lee thee.
yah ek nyoonatam jeevan shailee apanaane ya dampastar ko kaarravaee karane ke lie kol karane ke lie ek chunautee nahin hai, jo aapane varshon se jama kee hai. apanee zaroorat kee cheezon aur apanee manachaahee cheezon ke beech antar karake chhote-chhote samaayojan karana, vyavahaar mein laane ke lie aarthik roop se sahaayak aadat hai.
11. ek vitteey salaahakaar praapt karen | Get a Financial Advisor
ek baar jab aap ek aise bindu par pahunch jaate hain jahaan aapane ek achchhee maatra mein dhan arjit kiya hai - chaahe vah taral nivesh ho ya moort sampatti jo nakadee mein badalane ke lie aasaanee se upalabdh nahin hai - aapako shikshit karane aur nirnay lene mein madad karane ke lie ek vitteey salaahakaar praapt karen.
12. apane svaasthy ka dhyaan rakhen | Take Care of Your Health
uchit rakharakhaav ka siddhaant shareer par bhee laagoo hota hai. doktaron aur dant chikitsakon ke niyamit daure ke saath achchhe svaasthy mein nivesh karen, aur aapake saamane aane vaalee kisee bhee samasya ke baare mein svaasthy salaah ka paalan karen. jeevanashailee mein badalaav jaise ki adhik vyaayaam aur svasth aahaar ke saath kaee samasyaon mein madad kee ja sakatee hai ya roka bhee ja sakata hai. kuchh kampaniyon ke paas seemit beemaar din hote hain, jisase un dinon ke upayog ke baad aay ka ullekhaneey nukasaan hota hai. motaapa aur beemaariyaan beema preemiyam ko aasamaan chhootee hain, aur kharaab svaasthy kam maasik aay ke saath pahale sevaanivrtti ke lie majaboor kar sakata hai.
12 kadam samasyaon ka samaadhaan nahin karenge | 12 steps won’t solve all problems
in 12 charanon se aapakee dhan sambandhee sabhee samasyaen hal nahin hongee, lekin ye aapako svasth aadaten vikasit karane mein madad karengee jo aapako vitteey svatantrata kee raah par le ja sakatee hain—jo bhee aapake lie maayane rakhata hai.
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