Emergency Fund kaise Banaye? Step-by-Step Guide
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1. Emergency Fund kya hai?
- Emergency fund ek aisa fund hai jo aapko financial emergencies mein help karta hai.
- Is fund ka use sirf unexpected situations mein karna chahiye, jaise:
- Job loss
- Medical emergency
- Car ya ghar ka repair
- Family emergency
- Ideal Emergency Fund:
- 6-12 months ka monthly expenses jitna paisa save karein.
2. Apne Monthly Expenses Calculate Karen
- Emergency fund banane ke liye pehle aapko apne monthly expenses ko samajhna zaroori hai.
- Steps:
1. Apne sabhi monthly expenses ko list karein, jaise:
- Rent/EMI
- Groceries
- Utilities (bijli, pani, gas)
- Travel expenses
- Insurance premiums
- Entertainment aur miscellaneous expenses
2. Total monthly expenses calculate karein.
- Example:
- Agar aapke monthly expenses ₹30,000 hain, toh 6 months ka emergency fund ₹1,80,000 hoga.
3. Emergency Fund ka Goal Set Karen
- Apne emergency fund ka goal set karein.
- Steps:
1. Apne monthly expenses ko 6 ya 12 se multiply karein.
- 6 months ka fund: ₹30,000 x 6 = ₹1,80,000
- 12 months ka fund: ₹30,000 x 12 = ₹3,60,000
2. Decide karein ki aapko kitne months ka fund chahiye (6 ya 12).
4. Savings Plan Banayein
- Emergency fund banane ke liye aapko regular savings karna hoga.
- Steps:
1. Apni income aur expenses ko dekhein aur decide karein ki har mahine kitna paisa save kar sakte hain.
2. Har mahine apni income ka kam se kam 10-20% emergency fund mein daalein.
- Example:
- Agar aapki monthly income ₹50,000 hai, toh 20% savings ka matlab hai ₹10,000 har mahine.
- ₹1,80,000 ka fund banane ke liye aapko 18 mahine lagenge (₹10,000 x 18 = ₹1,80,000).
5. Savings ko Alag Account mein Rakhein
- Emergency fund ko apne regular savings account se alag rakhein taaki aap ise easily access kar sako aur use na karein.
- Options for Emergency Fund Account:
1. Savings Account: Easy access, low interest.
2. Liquid Mutual Funds: Better returns, quick withdrawal.
3. Fixed Deposit (FD): Higher interest, lock-in period.
- Recommendation:
- Emergency fund ke liye liquid mutual funds ya high-interest savings account choose karein.
6. Automate Savings
- Har mahine manually savings karne ki jagah, automate karein taaki aap regularly paisa save kar sako.
- Steps:
1. Apne bank account se automatic transfer set karein.
2. Har mahine ek fixed amount emergency fund account mein transfer ho jayega.
- Example:
- Agar aap ₹10,000 har mahine save karna chahte hain, toh automate karein ki har mahine ke 1st date ko ₹10,000 emergency fund account mein transfer ho jaye.
7. Extra Income ko Save Karen
- Agar aapko koi extra income milti hai (jaise bonus, gift, ya side hustle se), toh usse emergency fund mein daalein.
- Steps:
1. Har extra income ka ek hissa emergency fund mein daalein.
2. Example: Agar aapko ₹50,000 ka bonus mila, toh usme se ₹20,000 emergency fund mein daalein.
8. Fund ko Regularly Review Karen
- Emergency fund ko regularly review karein taaki yeh aapke current expenses ke hisab se updated rahe.
- Steps:
1. Har 6 months mein apne monthly expenses ko check karein.
2. Agar expenses badh gaye hain, toh emergency fund ko bhi increase karein.
- Example:
- Agar aapke monthly expenses ₹30,000 se badh kar ₹40,000 ho gaye hain, toh 6 months ka fund ₹2,40,000 hona chahiye.
9. Fund ka Sahi Istemal Karen
- Emergency fund ka use sirf unexpected aur zaroori situations mein karein.
- Examples of Emergencies:
- Job loss
- Medical emergency
- Ghar ya car ka repair
- Family emergency
- Non-Emergencies (Avoid):
- Shopping
- Vacation
- Luxury items
10. Fund ko Replenish Karen
- Agar aapne emergency fund ka use kiya hai, toh usse dobara fill karein.
- Steps:
1. Use ki gayi amount ko calculate karein.
2. Dobara savings shuru karein taaki fund wapas purana ho jaye.
- Example:
- Agar aapne ₹50,000 ka use kiya hai, toh har mahine ₹10,000 save karke 5 mahine mein fund replenish karein.
Final Tips for Emergency Fund:
- Start Small: Chote se shuru karein aur gradually fund ko build karein.
- Stay Consistent: Regular savings se hi emergency fund banaya ja sakta hai.
- Avoid Using for Non-Emergencies: Fund ka use sirf zaroori situations mein karein.
- Keep it Liquid: Fund ko aise account mein rakhein jahan se aap easily paisa nikal sako.
