Emergency Fund: Life Ke 'Jhatkon' Ke Liye Shock Absorber Kaise Banayein?

Financial Security

Emergency Fund:
Life Ka 'Shock Absorber'

Bura waqt bata kar nahi aata, isliye tayyari aaj karni padegi.

"Ye paisa iPad lene ke liye nahi hai, ye us din ke liye hai jab boss bole—'Kal se mat aana'." Photo Credit: Pexels

Main 23 saal ka tha jab mere papa ki tabiyat achanak kharab huyi thi. Hospital ka bill saamne tha, aur mere account mein the kul milakar 4,000 rupaye. Wo jo helplessness, wo jo lachaari mehsoos huyi thi na us raat, wo main shabdon mein bayan nahi kar sakta.

Us din mujhe samajh aaya ki paisa sirf 'shauk' poore karne ke liye nahi hota, paisa aapki 'izzat' aur 'sukoon' bachane ke liye bhi hota hai.

Aaj kal hum ise "Emergency Fund" kehte hain. Par desi bhasha mein kahu toh ye aapka "Kavach" (Shield) hai. Ye wo paisa hai jo aapko raat ko chain ki neend sone deta hai, chahe duniya mein recession aaye ya pandemic.

"Emergency Fund koi investment nahi hai. Isse ameer nahi banna hai. Ye insurance hai taaki aapko kabhi kisi ke aage haath na failana pade."

Lekin Emergency Kise Kehte Hain?

Bohot se log confuse hote hain. Chalo clear karte hain:

• ❌ Ye Emergency NAHI hai: iPhone ki sale, Goa trip, dost ki shaadi ka gift, share market dip.
• ✅ Ye Emergency HAI: Job loss, medical emergency, laptop chori hona (agar aap freelancer hain), family crisis.

3-Step Plan: Pehli Salary Se Shuruat

Agar aapki salary 25,000 bhi hai, toh bhi aap ise bana sakte hain. Ye raha roadmap:

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Step 1: 'Survival Number' Nikalo

Apne mahine ka wo kharcha jodo jiske bina aap zinda nahi reh sakte (Rent + Khana + EMI + Bills). Pizza aur Netflix mat jodna. Maan lo ye 15,000 hai.

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Step 2: Target Set Karo

Sabse pehle 3 mahine ka survival fund jama karo. Yani 15,000 x 3 = 45,000. Ye aapka pehla milestone hai. Iske baad 6 mahine ka target rakho.

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Step 3: Kahan Rakhein? (Galti Mat Karna)

Ise apne normal savings account mein mat rakhna, kharch ho jayega. Ise Liquid Mutual Fund ya alag bank ke Sweep-in FD mein rakho. Paisa available hona chahiye, par accessible nahi.

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Step 4: Shuruat Kaise Karein?

Jaise hi salary aaye, sabse pehle 20% emergency fund mein transfer karo. Ise "Gupt Daan" samjho. Jab tak ye fund na bane, naya phone paap hai.

Ek Kadwi Sachayi

Aap soch rahe honge—"Arre main toh young hoon, mujhe kya hoga?" ya "Ghar wale hain na sambhalne ke liye."

Lekin dost, asli 'Atmanirbharta' (Independence) tab aati hai jab musibat aane par aapko papa se paise na mangne padein, balki aap papa se keh sako—"Aap chinta mat karo, maine intezaam kar liya hai."

Toh aaj hi calculation karo. Apni salary ka ek hissa apne bure waqt ke liye 'lock' kar do. Trust me, aapka future self aapko iske liye dua dega.

Taiyari Jeet Ki,