Financial Life Guide for Freshers
Naukri Lag Gayi?
Ab Paisa Sambhalna Seekho.
Pehla mahina, pehli salary, aur pehla budget. Hum aapko sikhayenge ki pehle din se "Wealth" kaise banate hain.
The "New Joiner" Essentials
Salary account khulne se lekar Tax bachane tak, sab kuch yahan hai.
CTC vs In-Hand
Company ne 10 Lakh bola par bank mein 65 hazar hi aaye? Samjho Basic, HRA, aur PF ka asli math.
Smart Tax Saving
Section 80C aur 80D kya hai? Seekho kaise ELSS aur Insurance se aap apna hard-earned money bacha sakte ho.
The SIP Magic
Agar aap 22 ki age mein ₹2,000 ki SIP shuru karte ho, toh 40 tak aap crore-pati ban sakte ho. Shuruat aaj se!
The 50-30-20 Rule
Pehli salary ko kharch karne ka sabse best formula:
Pehle 30 Din Kya Karein?
Day 1-7: Documentation
Apna UAN (PF number) activate karein aur HR se salary break-up mangein. Bank account ko primary banayein.
Day 8-20: Expense Mapping
Likhein ki naye sheher mein rent, bijli, aur khane ka kitna kharcha ho raha hai. Isse "Real Savings" pata chalegi.
Day 30: The First Paycheck
Mummy-Papa ke liye kuch lein, lekin turant 20% paisa "Emergency Fund" mein daal dein.
Office Mein Survive Kaise Karein?
Pehli naukri mein kaam se zyada behavior matter karta hai.
Professional Emails
Email likhna ek art hai. Hamesha polite rahein aur subject line clear rakhein.
Time Management
Meeting mein 5 minute pehle pahunchna aapki reliability badhata hai.
Asking Questions
Naye ho toh galti hogi. Darrne ki jagah apne mentor se sawal poochein.
No comments:
Post a Comment