Beginners ke liye easy saving plan: 50/30/20 rule, ₹100 daily jar, ₹5000/month saving challenge in Hindi.
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Salary se ₹5000 kaise bachayein (2025 Guide)
Aaj ke time me sabko extra saving ki zarurat hoti hai – chahe student ho, jobholder ya gharwali. Lekin problem ye hoti hai ki salary aate hi kharch ho jaata hai.
Is post me main ek practical plan share kar rahi hoon jisse aap har mahine easily ₹5000 save kar paoge.
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Quick Answer (TL;DR)
Apne salary ko 50/30/20 rule me divide karo.
Har din ₹100 alag envelope/UPI “Goals” me dal do.
Salary ke agle din auto-transfer setup karo.
Chhote-chhote expenses cut karo (chai, snacks, impulse shopping).
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Step-by-Step Saving Plan
1. 50/30/20 Rule Example
Maan lo salary ₹20,000 hai:
50% (₹10,000) – Needs (rent, ration, bills)
30% (₹6,000) – Wants (shopping, movie, eating out)
20% (₹4,000) – Savings/Investments
👉 Isme se ₹5000 fix saving set kar sakte ho.
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2. Daily ₹100 Saving Jar
Har din ₹100 ek pouch/box/UPI “Goals” me daalo.
30 din me ₹3000, 2 mahine me ₹6000 ho jaayega.
Ye method students ke liye bhi easy hai.
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3. Auto-Transfer Trick
Salary aane ke agle din ₹5000 FD, RD ya second account me transfer kar do.
Jab paisa alag account me chala jaata hai, use kharch karne ka chance kam ho jaata hai.
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4. Expense Killers
Daily chai/cold drink: ₹40 × 30 din = ₹1200
Random Zomato/Swiggy = ₹2000+
Online impulse shopping = ₹1000+
👉 Bas ye control karo, aur ₹5000 save ho jayega.
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Free Tools (India ke liye)
Google Sheets Budget Template (free online)
Paytm/PhonePe Goals feature: “5000 Goal” bana lo.
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Common Mistakes
❌ Credit card ka minimum due hi pay karna (extra interest lagta hai)
❌ Buy Now Pay Later (BNPL) offers – overspending badha dete hain
❌ Saving ko end me karna – pehle kharch, baad me bachaana kabhi kaam nahi aata
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FAQ
Q: Low salary ho to kya karein?
👉 ₹5000 fix mat rakho, bas apni salary ka 10–20% hi save karo.
Q: Ghar se paise milte ho to?
👉 Pocket money me se ₹20–₹50 daily alag rakh lo.
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Takeaway & Next Step
Saving ek aadat hai, magic trick nahi. Agar aap upar ka plan follow karte ho to 30 din me hi result dekhne lagega.
👉 Next post me: 52-Week Saving Challenge India – Free Printable
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CTA
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Also check https://smartmoneyindiaa.blogspot.com/2025/08/mobile-recharge-and-dth-bill-par-har.html
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