આને કહેવાય smart saving

નાણા વગરનો નાથિયો ને નાણે નાથાલાલ આ કહેવત આજના સમયમાં એકદમ ફીટ બેસે છે

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એક સમયે સંયુક્ત પરિવાર અને સંબંધોને લીધે કામ ચાલી જતું, આજે પૈસા વિના એક દિવસ પણ સર્વાઈવ કરવુ શક્ય નથી

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સ્પર્ધાના દૌરમાં પૈસા કમાવવા તો અઘરા છે, પણ સાથે ઘરખર્ચ કાઢી થોડા ઘણા બચાવવા તેનાથી પણ અઘરા છે

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તો આજે અમે તમને એવી ટીપ્સ આપીશું જેનાથી તમે ઓછી આવકમાં પણ બચત કરી શકશો અને તમારે ઉછીના લેવાની જરૂર નહીં પડે

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સૌથી પહેલા તો મહિનાના અંતમાં જે કંઈ પગાર કે આવક થાય તેમાંથી અમુક રકમ જુદી મૂકી દો

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હવે ઈચ્છાઓ, જરૂરિયાતો અને અત્યંત જરૂરી વસ્તુઓની યાદી બનાવો અને ડિસેન્ડિંગ ઓર્ડરમાં તે પૂરી કરો. એટલે કે ઈચ્છાઓને છેલ્લે રાખો

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મહિનાના નહીં પણ રોજના ખર્ચનો હિસાબ રાખો અને દર અઠવાડિયે પરિવાર સાથે ચર્ચા કરી આવતા અઠવાડિયા માટેનો પ્લાન તૈયાર કરો

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ઑનલાઈન શૉપિંગ, ક્રેડિટ કાર્ડ શૉપિંગ વગેરેમાં સંયમ વર્તો અને કેશબેક કે કુપન્સને પણ સમજદારીથી વાપરો

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દર મહિને જેટલા પણ બચાવી શકતા હો તેને મ્યુચ્યુઅલ ફંડમાં રોકો, સીધા શેર માર્કેટમાં કે અન્ય અસુરક્ષિત જગ્યાએ ન રોકો

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એક મોટો વર્ગ છે જેમનો મહિનો જ આવકમાં પૂરો થતો નથી, છતાં જો થોડો વિચાર કરી સ્માર્ટ સેવિંગ્સ કરશો તો વર્ષે કંઈક તો હાથમાં રહેશે

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