“Bhai mere account mein fir se ₹247 bache hain… salary aayi thi bas 18 din pehle!”
Ye line Raju har mahine bolta tha.
👦 Milte Hain Raju Se…
Raju ek 27 saal ka software engineer hai, Gurgaon mein kaam karta hai. Achhi salary hai – ₹45,000 per month. Zindagi normal hai – weekdays office, weekends movies, Zomato, thodi shopping… aur fir end of the month pe “bhai udhaar de de” wali situation.
Raju koi irresponsible banda nahi tha. Bas usne kabhi paise ka system nahi banaya.
📉 Jab System Nahi Hota, Toh Paisa Hamesha Kam Padta Hai
Ek baar Raju ke phone ka recharge khatam ho gaya. Recharge ke ₹249 nahi the uske account mein. Tab Raju ko laga – “Kama toh raha hoon… par agar basic cheez ke liye bhi paisa nahi bacha, toh main galti kaha kar raha hoon?”
Usi din Raju ne ek YouTube video dekha: “Budget kaise banaye – beginners ke liye”.
Aur wahi se shuru hui Jeb aur Jazbaat ki kahani.
🔍 Step 1: Raju Ne Apna Paisa Samjha – Scientific Tarike Se
Sabse pehle, Raju ne ek Google Sheet banayi. Usne likha:
🧾 Total Monthly Income:
- Salary: ₹45,000
💸 Fixed Expenses:
- Ghar ka kiraya: ₹12,000
- Bike EMI: ₹3,000
- Internet + OTT: ₹1,000
🍔 Variable Expenses (roughly):
- Zomato/Swiggy: ₹5,000
- Petrol/Uber: ₹2,500
- Weekend outings: ₹4,000
- Shopping: ₹3,000
- Misc: ₹2,000
Total expenses: ~₹32,500
But har mahine kuch “unexpected” bhi aa jaata tha – birthday party, sale, sudden trip…
Result: Savings = 0
🧠 Step 2: Usne 50-30-20 Rule Apply Kiya – Jitna Simple, Utna Powerful
Raju ne ek simple rule try kiya: 50-30-20 Rule
| Category | Use | % of Income | Amount |
|---|---|---|---|
| 50% | Zaroori cheezein (Needs) | ₹22,500 | |
| 30% | Apne shauk (Wants) | ₹13,500 | |
| 20% | Savings/Investments | ₹9,000 |
Pehle toh laga ki “yeh theory hai sirf”, par jab use kiya, toh asli farak dikha.
Usne apne UPI apps se limit set kar diya:
“Jo 20% savings ka hai, woh first of month FD + SIP mein chala gaya. Baaki ₹36,000 ka hi game hai.”
📲 Step 3: Raju Ne App Se Expense Tracking Start Kiya
Raju ne do apps download kiye:
- Walnut: Auto-read karta hai SMS aur expenses categorize karta hai.
- Money Manager: Manual entry karne wala app – zyada awareness deta hai.
Har Sunday raat 15 mins woh “weekly audit” karta tha. Kabhi-kabhi regret bhi hota – “Yeh ₹800 ka sushi zaroori tha kya?”
But slowly, awareness build hone lagi.
🧮 Step 4: Zero-Based Budgeting Ka Jadoo
Raju ne fir try kiya zero-based budgeting.
Matlab – ₹45,000 mein se har ek rupee ka kaam fixed hai.
Kuch bhi “extra” ya “bacha hua” nahi hota.
Uska monthly plan kuch aisa bana:
| Category | Amount (₹) |
|---|---|
| Rent + Bills | 14,000 |
| Food + Travel | 7,000 |
| Shopping/Movies | 4,000 |
| SIP | 5,000 |
| Emergency Fund | 2,000 |
| Parents/Family Support | 2,000 |
| Misc. | 2,000 |
| Buffer | 1,000 |
| Total | 45,000 ✅ |
📈 3 Mahine Mein Kya Badla?
- ₹15,000 ka Emergency Fund bana
- ₹15,000 SIP mein chala gaya
- Credit card ka balance zero ho gaya
- Har mahine ke end mein paisa bacha… stress nahi
Raju ab har Sunday ye kehta hai:
“Main zyada kama nahi raha, par finally mujhe pata hai paisa kaha jaa raha hai.”
🧪 Science Bhi Kehta Hai – Budget Banana Zaroori Hai
🧠 1. Cognitive Load Theory
Jab daily paise ke chhote decisions se dimaag bhar jaata hai, tab galat choices hoti hain. Budget ek ready roadmap deta hai.
💸 2. Lifestyle Creep
Jaise jaise income badhti hai, kharch bhi silently badhne lagta hai – unless you set rules.
⏱️ 3. Parkinson’s Law
“Work expands to fill the time available” – waise hi expenses expand to fill your salary.
Budget is your shield.
📥 Bonus: Download Raju ka Budget Template
Main Raju ke liye aur aap sab ke liye ek Google Sheet bana raha hoon jisme aap apne kharch likh sakte ho.
📎 Click here to download the budgeting template
📹 Related YouTube Video (Coming Soon)
Budget kaise banaye, kis app kaise use kare, aur emotional overspending se kaise bachein – sab hoga upcoming video mein.
👉 Subscribe karo Jeb Aur Jazbaat channel for Hinglish personal finance gyaan.
❓ FAQs
Q: Mujhe 20% saving nahi ho pati. Kya karein?
Start small – even 5% se shuru karo. Consistency is better than perfection.
Q: Apps ya Google Sheet – kya better hai?
Depends on comfort. Sheet zyada personal hoti hai. Apps zyada automated.
Q: Emergency Fund kaise build karein?
Har mahine ₹1,000 – ₹2,000 alag rakho. Target: 3 months of expenses.
🔚 Final Words
Raju ki kahani real hai. Shayad aap bhi Raju jaise ho – salary toh hai, par system nahi.
Aaj se ek simple Google Sheet banao. Jitna likhoge, utna bachoge.
“Paise se zyada zaroori hai – uska plan hona.”
Agar aapko yeh post pasand aayi, toh comment karo, share karo aur apni kahani batao.
Let’s build a financially aware India – Hinglish mein, apne style mein.