💬 Intro: 

Aaj kal mehngai ka zamana hai aur ₹10,000 mein guzara karna mushkil lagta hai. Lekin agar aap thoda plan karein, to isi income mein bhi aap saving kar sakte hain, stress-free reh sakte hain, aur emergency ke liye tayyar bhi ho sakte hain. Is blog post mein main aapko ek simple aur practical budget plan batane wala hoon — jo aap har mahine follow kar sakte hain. --- 


📊 Step-by-Step Budget Formula  (₹10,000/month) 
 
✅ 1. Zaroori Kharch:

₹5,000 (50%) Yeh wo cheezein hain jinke bina guzara mushkil hai: Kiraya / Ghar ka hissa: ₹2,500 Bijli, paani, gas: ₹1,000 Ration / groceries: ₹1,500 



✅ 2. Savings: 

₹2,000 (20%) Hamesha thoda paisa apne future ke liye bachayein: Bank mein deposit karein Ek gullak (piggy bank) banaayein Emergency fund banayein > 


💡Tip: Saving sabse pehle nikaalni chahiye, baaki paisa baad mein kharch karein. 
 


✅ 3. Self Investment / Learning: 

₹1,000 (10%) Yeh paisa khud ko behtar banane ke liye hai: Mobile data for YouTube courses Online skills (freelancing, design, etc.) Books ya seminars 




✅ 4. Enjoyment & Gifting:

₹1,000 (10%) Life mein thoda maza bhi zaroori hai: Kabhi kabhi chai/dost ka treat Birthday ya choti khushiy





✅ 5. Unexpected/Medical/Transport: 

₹1,000 (10%) Bus ka kharcha Doctor/medicine CHOTI chhoti cheezein jo achanak aa jaati hain ---  





🔁 Bonus Tip: 

"50-20-10-10-10 Rule" ko Calendar pe likh lein Is rule ko apne wallet mein note karke ya mobile ke wallpaper pe lagayein — taake hamesha yaad rahe. --- 


🎯 Conclusion:

₹10,000 zyada nahi lagta, lekin agar aap har rupaye ka plan banayein to aap: Kabhi udhaar mein nahi phasenge Future ke liye tayyar rahenge Khud par bhi paisa lagayenge > 

Aapka paisa aapki zimmedari hai – usse sahi tarike se chalayein. --- 
 
❓Aapka kya budget plan hai?

Agar aap is method se help le rahe hain ya koi apna tareeqa share karna chahein, to comment zaroor karein! Aapke suggestions doosre readers ki bhi madad karenge.