5 habits that will make you rich

 

• Aaj ke time me financial freedom ka dream sab dekhte hain, lekin uske liye right habits hona bahut zaroori hai — especially jab aap apne 20s me ho.

Main Points:

1. Start Saving Early (Chhoti Saving, Bada Future)
2. Invest in Mutual Funds or SIP (Har Mahine Thoda Thoda)
3. Avoid Unnecessary Loans (EMI ka trap mat lo)
4. Learn Basic Financial Knowledge (YouTube, Books, Free Courses)
5. Track Your Spending (Har Rupaye ka Hisab Rakho)

1. Start Saving Early – “Chhoti Bachat, Bada Fayda”

Aap jitni jaldi saving start karoge, utna hi jaldi compound interest ka magic dekh paoge.

• Har month income ka at least 20-30% save karo
• Use FD, RD ya digital saving apps jahan aapka paisa secure ho
• Emergency fund banana shuru karo (minimum 3-6 months ka kharcha)

Example: Agar aap ₹2000 monthly save karte ho aur usse 10% interest milta hai, toh 10 saal baad wo amount ₹4.14 lakh ban sakta hai.

2. Invest in SIPs or Mutual Funds – “Thoda Thoda Lagao, Lamba Kamao”

Saving se paisa sirf bacha rahe ho, lekin investment se paisa badhta hai.

• SIP (Systematic Investment Plan) me monthly ₹500 se bhi start kar sakte ho
• Long-term equity mutual funds me invest karna best hota hai
• Stock market seekhne me interest hai? Toh small-cap stocks me shuru karo, par research zarur karo

Pro Tip: Groww, Zerodha, aur Kuvera jaise platforms beginner-friendly hain.

3. Avoid Bad Debt – “EMI Ka Trap Mat Lo”

Ameer banne ke raaste me sabse bada hurdle hota hai galat loan lena.

• Credit card se shopping sirf tab karo jab poora bill time pe bhar sako
• Mobile, bike, ya fashion ke liye EMI lena avoid karo
• Education loan, business loan ya home loan — ye productive hote hain, par unhe bhi samajh ke lo

4. Learn Financial Basics – “Paise Ko Samajhna Sikho”

Financial literacy har school me nahi sikhayi jaati, lekin aap khud seekh sakte ho.

• YouTube pe finance channels follow karo jaise CA Rachana, Pranjal Kamra
• Books padho jaise “Rich Dad Poor Dad”, “The Psychology of Money”
• Financial planning, tax saving, mutual funds basics – in cheezon ko samajhna start karo

5. Track Your Expenses – “Har Rupaye Ka Hisab Rakho”

Rich log apne paison ka record rakhte hain, aap bhi rakhna shuru karo.

• Use apps like Walnut, Money Manager, Goodbudget
• Har month ka kharcha dekho: kis category me paisa jaa raha hai
• “Wants” aur “Needs” ka farq samajh ke spending karo

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  Conclusion:

  
  

  
  

  Aapka future aapke present decisions pe depend karta hai. Agar aap aaj apne 20s me disciplined ho jaate ho, toh kal paisa aapke liye kaam karega — aap paisa ke liye nahi. Ye 5 money habits aapko rich banane me help karegi, chahe aap job kar rahe ho ya student ho.