05/08/2025
50/30/20 Rule bhanneko ekdamai simple budgeting technique ho, jasko through hami afno income lai three part ma divide garera paisa manage garna sakchhau.
50/30/20 Rule ko arth:
1. 50% – Needs (Aawasyak kharcha)
Yo part ma tapai ko monthly income ko 50% chai aawasyak chij jastai:
Ghar bhada
Khana
Utility bills (bijuli, pani, internet)
Loan ko installment
School fees (if compulsory)
Health insurance
2. 30% – Wants (Ichchha/Manparne kura)
Yo part chai man lagne kura ma use huncha:
Bahira khana
Movie herna
Shopping
Travel/tour
Fancy mobile, cloths, etc.
3. 20% – Savings & Debt Repayment (Bachhat ra rin tirne)
Yo income ko 20% chai:
Bank ma save garne
Emergency fund banau
Loan chhito tirkera interest bachau
Investment (shares, mutual fund, etc.)
Udaharan: Manau tapai ko monthly income Rs. 50,000 cha.
50% Needs: Rs. 25,000
30% Wants: Rs. 15,000
20% Savings/Debt: Rs. 10,000
Yo rule le paisa discipline ma rakcha, unnecessary kharcha roknu help garcha ra future ko lagi secure banauncha.
