bahut saare logon ko paison ko lekar dikkat hoti hai. Iski kai wajah ho sakti hai jaise ki, Jab desh ki arthvyavastha (economy) acchi nahi chal rahi ho, tab logon ko naukri milne mein mushkil hoti hai ya mehengai (inflation) badh jati hai. Ya fir doosron ki dekhadekhi se mehngi cheezein lena ya bina soche samjhe paisa kharch karna.
Lekin iske bawajood aap apne paison ko achhi tarah se sambhalne ki koshish kar sakte ho. Agar aap samajhdari se faisle loge toh financial problems se bach sakte ho. Is post me hum un galtiyon ke baare mein baat karenge, jo log aksar karte hain aur jiski wajah se unhe paison ki dikkat ka saamna karna padta hai.
biggest financial mistakes that young adults make
- 1. Unnecessary Spending
- 2. Never-Ending Payments
- 3. Living Large on Credit Cards
- 4. Buying a New Vehicle
- 5. Spending Too Much on Your Home
- 6. Misusing Home Equity
- 7. Not Saving
- 8. Not Investing in Retirement
- 9. Paying Off Debt With Retirement Savings
- 10. Not Having a Plan
1. Unnecessary Spending
Jab aap koi cheez sirf isliye le lete ho kyunki wo acchi lagti hai, chahe uski zaroorat na ho. Jaise, ek naye phone ka model aaya aur aapne bina soche le liya, jabki aapka purana phone bilkul theek chal raha tha. Chhoti chhoti cheezein, jaise roz ka mehnga coffee lena (₹300 ka ek cup) ya har week online food order karna. Yeh chhoti rashi lagti hai, lekin ek saal mein yeh hazaron mein pahuch sakti hai.
Example:
Agar aap ₹200 ka coffee roz lete ho, ₹200 × 30 din = ₹6,000 mahine mein ₹6,000 × 12 mahine = ₹72,000 ek saal mein
1. Luxury Lifestyle Ka Pressure:
Kabhi-kabhi doosron ki dekha-dekhi mehngi cheezein lena branded kapde, latest gadgets ya social media pe dikhane ke liye lavish (shahi) lifestyle jeena. Yeh kharche future mein paison ki dikkat la sakte hain. [biggest financial mistakes that young adults make]
2. Subscription Traps:
Kai log Netflix, Amazon Prime, gym membership jaise subscriptions le lete hain, lekin unka pura use nahi karte. Yeh chhoti fees lagti hai, lekin saath milkar bada kharcha ban jati hai.
2. Never-Ending Payments
1. Jab aap mehengi cheeze (jaise ki phone, laptop, car) EMI pe lete ho, toh har mahine ek fix amount dena padta hai. Agar aap bahut saari cheezein EMI pe le loge, toh aapki income ka bada hissa sirf in payments mein chala jayega. Aur ye kabhi khatam nahi hone wale lagte hain, kyunki ek payment khatam hota nahi ki doosra shuru ho jata hai.
Example:
| ₹2,000 ka phone EMI |
| ₹5,000 ki bike EMI |
| ₹1,500 ka laptop EMI |
| Milakar ₹8,500 mahine ka amount ban jata hai. |
2. Subscriptions: Har mahine ka subscription jaise ki Netflix, Amazon Prime, Spotify, gym membership, aur online courses. Inka payment chhota lagta hai, lekin jab aap ek saath multiple subscriptions le lete ho, toh ye bada kharcha ban jata hai.
Example:
| Netflix: ₹650/month |
| Gym: ₹1,200/month |
| Music app: ₹300/month |
| Total: ₹2,150/month (Ek saal mein ₹25,800) |
3. Living Large on Credit Cards
1. Jab aapke paas cash nahi hota, toh credit card ka upyog karke log mehngi cheezein kharid lete hai. jaise branded kapde, latest gadgets, ya luxury vacations. Lekin yeh kharche aapki actual income se zyada ho jate hain.
| Example:– Agar aap ₹50,000 ka phone credit card se lete ho, lekin aapka mahine ka salary ₹30,000 hai, toh aap apne budget se bahar ja rahe ho. |
2. Credit cards par bahut zyada interest rate lagta hai (25-40% tak). Agar aap poora paisa time par nahi chukate, toh yeh interest badhta rehta hai. Dheere dheere aapka udhaar (debt) itna jyada ho jata hai ki use chukana mushkil ho jata hai. [biggest financial mistakes that young adults make]
| Example:– Agar aap ₹10,000 ka bill time par nahi chukate, toh har mahine uspe 30% interest lagta rahega. Ek saal mein yeh ₹13,000 se zyada ho jayega. |
4. Buying a New Vehicle
1. Nayi gaadi lene ka initial price hi kaafi zyada hota hai. Agar aap isse EMI pe lete ho, toh mahine ka bada hissa ismein chala jata hai, jo aapki savings ko kam kar sakta hai.
| Example:– Agar aap ₹10 lakh ki car lete ho aur uska EMI ₹20,000 mahine ka hai, toh ek saal mein aap ₹2,40,000 sirf EMI mein de doge. |
2. Nayi gaadi ki value turant girne lagti hai. Jaise hi aap car showroom se nikalte ho, uski 20-30% tak value kam ho jati hai.
| Example:- Agar aapne ₹10 lakh ki car li aur ek saal baad bechni pad gayi, toh uski value sirf ₹7-8 lakh hogi. Matlab ₹2-3 lakh ka nuksaan. |
3. Nayi gaadi lene ke baad sirf EMI nahi, balki insurance, fuel, servicing, aur road tax jaise extra kharche bhi hote hain, jo time ke saath badhte rehte hain.
| Example:- Insurance: ₹30,000/year Maintenance: ₹15,000/year Fuel: ₹5,000/month |
| Yeh sab milakar ek saal mein ₹1 lakh se zyada ka extra kharcha ban jata hai. |
5. Spending Too Much on Your Home
1. Mehnga Ghar Lena
Kai baar log apni income se zyada ka ghar le lete hain sirf dikhane ke liye ya future ko sochkar. Lekin isse unka EMI, tax, aur maintenance ka kharcha badh jata hai.
| Example: Agar aapki salary ₹80,000 mahine ki hai aur aap ₹50,000 EMI dete ho, toh aapke paas sirf ₹30,000 bachta hai – isse monthly expenses aur saving manage karna mushkil ho sakta hai. Solution: Apni income ka 25-30% se zyada EMI ya rent na rakhein. |
2. Extra Maintenance Aur Property Tax
Mehnga ghar lene ke baad sirf EMI nahi, balki property tax, maintenance charge, electricity bill, aur insurance jaise kharche bhi badh jate hain.
| Example: Mehengi society ka maintenance: ₹10,000 mahine ka Property tax: ₹20,000 saal ka Solution: Ghar lene se pehle yeh hidden costs ka estimation kar lein. |
3. Bina Soch Samajhkar Renovation
Kai log mehnga ghar lene ke baad luxury renovation karvate hain jaise modular kitchen, fancy decor, ya swimming pool, jo ek financial burden ban jata hai.
| Example: Modular kitchen: ₹3-4 lakh Home automation: ₹5 lakh Solution: Sirf zaroori renovation mein invest karein, jo ghar ki value badhaye. |
4. Rent Par Zyada Paisa Lagana
Kai baar log mehngi location ya fancy apartment mein rehte hain, jahan rent unki income ke hisaab se zyada hota hai.
| Example: Agar aap ₹40,000 ki salary par ₹25,000 ka rent de rahe ho, toh aap saving ya emergency fund nahi bana paoge. Solution: Aise ghar chunein jisme rent aapki salary ka 20-30% ho. |
5. Future Investments Ko Ignore Karna
Agar aap apni salary ka bada hissa ghar par kharch kar dete ho, toh aap mutual funds, stocks, ya retirement planning jaise important investments nahi kar paoge.
Solution: Saving aur investment ke liye hamesha income ka 20-30% alag rakhein.
6. Misusing Home Equity
1. Luxury Kharchon Ke Liye Loan Lena
Kai log apni home equity ka use vacation, mehngi car, ya wedding jaise non-essential cheezon pe karte hain. Yeh future mein unke liye financial burden ban sakta hai.
| Example: Aapne home equity loan lekar ₹10 lakh ki car le li. Lekin car ki value ghatte ghatte zero ho jayegi, jabki loan ka interest aapko chukana padega. Behtar Option: Home equity ka istemal sirf zaroori cheezon ke liye karein, jaise ghar ki improvement ya emergency expenses. |
2. Business Ya Investment Mein Galat Tarike Se Lagana
Kai baar log risky investments (jaise stock market, cryptocurrency) mein home equity ka paisa laga dete hain. Agar investment flop ho gaya toh ghar khona pad sakta hai.
| Example: Aapne ₹15 lakh ka home equity loan lekar stock market mein invest kiya, lekin market gir gaya toh aapka paisa doob sakta hai. Best Option: Safe aur Diversified investments karein jisme risk kam ho. |
3. Debt Payoff Ke Liye Home Equity Use Karna
Kai log credit card debt ya personal loan chukane ke liye home equity loan le lete hain. Lekin agar aap EMI nahi chuka paye, toh bank aapka ghar zabt kar sakta hai.
| Example: Aap ₹5 lakh ka credit card chukane ke liye home equity loan lete ho. Agar aap EMI miss karte ho, toh aapko ghar khone ka risk rahega. Behtar Option: Pehle apne existing expenses manage karo aur debt ke liye alternative options socho. |
7. Not Saving
1. Emergency Ke Liye Paise Na Bachana
Zindagi mein kabhi bhi medical emergency, job loss, ya ghar ka bada kharcha aa sakta hai. Agar aapke paas emergency fund nahi hoga, toh aapko loan lena padega ya credit card ka istemal karna padega, jisme zyada interest lagta hai.
| Example: Agar aapki bike ka ₹10,000 ka repair bill aa jaye aur aapke paas paise na ho, toh aapko udhaar lena padega, jo extra kharche laata hai. Solution: Har mahine apni salary ka 20% emergency fund mein bachao. Kam se kam 3-6 mahine ke kharche ka backup rakho. |
2. Future Ke Liye Saving Na Karna
Agar aap abhi saving nahi karte, toh future mein ghar lena, shaadi, ya retirement ke liye paise nahi honge. Jaldi saving shuru karne se aapko compound interest ka fayda milta hai, jisse aapka paisa time ke saath badhta hai.
| Example: Agar aap 25 saal ki umar mein har mahine ₹5,000 save karte ho aur 10% return milta hai, toh 30 saal baad ₹1 crore se zyada ho sakta hai. Lekin agar aap 35 saal mein shuru karte ho, toh wahi saving sirf ₹40-50 lakh hi banegi. Solution: Jaldi saving shuru karo. SIP (Systematic Investment Plan) ya PPF jaise long-term investment mein paise lagao. |
3. Small Expenses Ko Ignore Karna
Chhoti-chhoti cheezein jaise daily coffee, fast food, ya online shopping se bhi bada kharcha ho sakta hai. Agar aap in cheezon ko control nahi karte, toh aapki saving kabhi shuru nahi hogi.
| Example: Agar aap ₹100 ki coffee har din lete ho, toh ek saal mein ₹36,500 sirf coffee par kharch ho jata hai. Yeh paisa aapki saving mein ja sakta tha. Solution: Budget banaiye aur unnecessary kharche kam karke saving ko priority do. |
8. Not Investing in Retirement
1. Sirf Salary Par Depend Karna
Agar aap apne job ki salary ya pension pe hi depend karte ho, toh inflation (mehngai) ke wajah se future mein aapko problems ho sakti hain. Mehngai ke saath har cheez ki cost badhti hai – agar aap invest nahi karte, toh aapki savings ka value kam ho jata hai. [biggest financial mistakes that young adults make]
| Example: Aaj ₹50,000 se ek mahine ka kharcha chalta hai, lekin 30 saal baad wahi kharcha ₹2-3 lakh ho sakta hai. Agar aap abhi invest nahi karenge, toh yeh future expenses sambhalna mushkil hoga. Solution: Apni salary ka 15-20% retirement ke liye alag rakhna shuru karo aur long-term plans mein invest karo. |
2. Retirement Planning Ko Ignore Karna
Kai log sochte hain ki retirement abhi door hai, isliye planning ki zaroorat nahi. Lekin agar aap pehle se plan nahi karte, toh retirement ke baad financial freedom milna mushkil ho jata hai.
| Example: Agar aap abhi invest nahi karte, toh retirement ke baad aapko job karna pad sakta hai ya financial support ke liye dusron pe depend rehna padega. Solution: Apni retirement age aur required amount ka calculation karke SIP, mutual funds, ya National Pension Scheme (NPS) mein invest karo. |
9. Paying Off Debt With Retirement Savings
1. Future Ka Paisa Kam Karna
Aapka retirement fund isliye hota hai taaki jab aap kaam karna chhod do, tab bhi aapke paas jeene ke liye paisa ho. Agar aap abhi apne loan ya credit card ka udhaar chukane ke liye yeh paisa nikalte ho, toh aapka budhape ka backup kam ho jata hai. [biggest financial mistakes that young adults make]
| Example: Agar aapke retirement fund me ₹10 lakh hai, aur aapne ₹3 lakh ka personal loan chukane ke liye nikal liya, toh aapne apna future ka financial cushion kam kar diya. Retirement fund se debt chukana ek badi galti hai kyunki isse aapka future ka paisa kam ho jata hai, compound interest ka fayda miss hota hai, aur tax penalties lag sakti hain. Isliye, retirement savings ko untouched rakho aur udhaar chukane ke liye budget aur smart planning karo. Solution: Retirement fund ko sirf future security ke liye hi rakho. Udhaar chukane ke liye budget banakar alag se paise jama karo. |
10. Not Having a Plan
Not Having a Plan” ka matlab hai apne paise ka sahi tarike se management na karna ya financial future ke liye koi plan na banana. Young adults ke liye ye ek badi financial mistake ho sakti hai, kyunki bina plan ke paise ka control mushkil ho jata hai aur aap financial problems mein fas sakte ho.
1. Bina Budget Banaye Kharcha Karna
Agar aapke paas budget nahi hoga, toh aapko nahi pata chalega ki kitna kama rahe ho aur kitna kharch kar rahe ho. Isse aap zyada kharch kar sakte ho ya bina zaroori cheezon par paisa waste kar sakte ho.
| Example: Agar aap mahine mein ₹30,000 kama rahe ho aur bina soche ₹35,000 kharch karte ho, toh aap udhaar (debt) mein fas sakte ho. Solution: Har mahine income aur expenses ka budget banao. 50/30/20 rule follow karo: 50% – Zaroori kharche (rent, bills, food) 30% – Personal kharche (shopping, entertainment) 20% – Savings aur investments |
Read Also:
How To Create A Budget That Works
Conclusion : biggest financial mistakes that young adults make
Young adulthood mein financial : planning ki suruaat karna ek smart decision hai. Bina ek spasht yojana (clear plan) ke, aap zyada kharche, debt ka bojh, aur future insecurity ka shikar ho sakte hain. Apne paise ka control tabhi possible hai jab aap budget banayein, saving shuru karein, aur investment ka plan tayar karein.
Aapke financial goals chahe chhote ho ya bade, unhe achieve karna sirf tabhi sambhav hai jab aap aaj se planning shuru karte hain. Isliye, aapka pehla kadam hona chahiye ek strong financial plan banana – jo aapko na sirf emergencies se bachaayega, balki financial freedom ki taraf bhi le jaayega.
Hamari website par hum aapko financial decisions lene mein madad karte hain, taki aapka aaj safe ho aur kal secure. Vishwas ke saath jude rahiye aur apne sapno ka bhavishya banaiye – kyunki sahi planning hi safalta ki kunji hai!