{"id":40253,"date":"2025-04-10T17:00:54","date_gmt":"2025-04-10T11:30:54","guid":{"rendered":"https:\/\/investpolicy.in\/?p=40253"},"modified":"2025-04-30T16:03:42","modified_gmt":"2025-04-30T10:33:42","slug":"salary-saving-tips-apply-this-formula-to-save-salary-every-month-will-soon-become-rich","status":"publish","type":"post","link":"https:\/\/www.investpolicy.in\/hindi\/salary-saving-tips-apply-this-formula-to-save-salary-every-month-will-soon-become-rich\/","title":{"rendered":"Salary Saving Formula: \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902? \u092f\u0947 \u0938\u093f\u0902\u092a\u0932 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u092c\u0928\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0906\u092a\u0915\u094b \u091c\u0932\u094d\u0926\u0940 \u0905\u092e\u0940\u0930"},"content":{"rendered":"\n<p>\u0906\u091c \u0915\u0947 \u091f\u093e\u0907\u092e \u092e\u0947\u0902 \u091a\u093e\u0939\u0947 \u0906\u092a\u0915\u0940 \u0938\u0948\u0932\u0930\u0940 Rs. 20,000 \u0939\u094b \u092f\u093e Rs. 2 \u0932\u093e\u0916, \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0930\u0928\u093e \u0939\u0930 \u0915\u093f\u0938\u0940 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092c\u0921\u093c\u0940 \u091a\u0941\u0928\u094c\u0924\u0940 \u092c\u0928 \u091a\u0941\u0915\u093e \u0939\u0948\u0964 \u092e\u0939\u0902\u0917\u093e\u0908, \u0916\u0930\u094d\u091a\u0947 \u0914\u0930 \u0932\u093e\u0907\u092b\u0938\u094d\u091f\u093e\u0907\u0932 \u0915\u0947 \u092c\u0940\u091a \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0941\u091b \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938 \u0915\u0930\u0928\u093e \u0905\u0938\u0902\u092d\u0935 \u0938\u093e \u0932\u0917\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0905\u0917\u0930 \u0906\u092a \u0925\u094b\u0921\u093c\u093e \u0938\u093e discipline \u0914\u0930 \u090f\u0915 \u0938\u093f\u0902\u092a\u0932 \u092b\u093e\u0930\u094d\u092e\u0942\u0932\u093e \u0905\u092a\u0928\u093e\u090f\u0902, \u0924\u094b \u0928 \u0938\u093f\u0930\u094d\u092b \u0938\u0947\u0935\u093f\u0902\u0917 \u0906\u0938\u093e\u0928 \u0939\u094b \u091c\u093e\u090f\u0917\u0940, \u092c\u0932\u094d\u0915\u093f \u0906\u092a \u0915\u0941\u091b \u0938\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0915\u0930\u094b\u0921\u093c\u094b\u0902 \u0915\u093e \u0935\u0947\u0932\u094d\u0925 \u092d\u0940 \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u0907\u0938 \u0906\u0930\u094d\u091f\u093f\u0915\u0932 \u092e\u0947\u0902 \u0939\u092e \u092c\u093e\u0924 \u0915\u0930\u0947\u0902\u0917\u0947 \u0910\u0938\u0947 practical, real-life salary saving tips \u0915\u0940 \u091c\u094b \u0939\u0930 salary slab \u092a\u0930 \u0932\u093e\u0917\u0942 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u0938\u093e\u0925 \u0939\u0940 \u0939\u092e \u091c\u093e\u0928\u0947\u0902\u0917\u0947 \u090f\u0915 \u0910\u0938\u093e tested \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u091c\u094b \u0906\u092a\u0915\u094b \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940 \u0914\u0930 \u091c\u0932\u094d\u0926\u0940 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0940 \u0930\u093e\u0939 \u092a\u0930 \u0932\u0947 \u091c\u093e\u090f\u0917\u093e\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0915\u094d\u092f\u094b\u0902 \u091c\u093c\u0930\u0942\u0930\u0940 \u0939\u0948 \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938 \u0915\u0930\u0928\u093e?<\/h2>\n\n\n\n<p>\u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u090f\u0915 \u0938\u093f\u0902\u092a\u0932 \u0938\u0935\u093e\u0932 \u2014 \u0939\u092e \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938 \u0915\u094d\u092f\u094b\u0902 \u0915\u0930\u0947\u0902?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0905\u091a\u093e\u0928\u0915 medical emergency \u0915\u0947 \u0932\u093f\u090f<\/li>\n\n\n\n<li>job loss \u0915\u0940 situation \u092e\u0947\u0902 support<\/li>\n\n\n\n<li>travel \u092f\u093e home buying \u091c\u0948\u0938\u0947 \u092c\u0921\u093c\u0947 goals<\/li>\n\n\n\n<li>retirement \u0915\u0947 \u092c\u093e\u0926 \u0915\u0940 \u091c\u093f\u0902\u0926\u0917\u0940 \u0915\u0947 \u0932\u093f\u090f<\/li>\n\n\n\n<li>\u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0940 \u092a\u0922\u093c\u093e\u0908 \u092f\u093e \u0936\u093e\u0926\u0940 \u0915\u0947 \u0932\u093f\u090f<\/li>\n<\/ul>\n\n\n\n<p>\u0914\u0930 \u0938\u092c\u0938\u0947 important \u2013 peace of mind \u0915\u0947 \u0932\u093f\u090f\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Salary Saving \u0915\u093e Golden Rule: 50-30-20 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e<\/h2>\n\n\n\n<p>\u092f\u0947 \u090f\u0915 \u092c\u0939\u0941\u0924 famous \u0914\u0930 easy-to-apply formula \u0939\u0948 \u091c\u094b \u0939\u0930 salary earner \u0915\u0947 \u0932\u093f\u090f effective \u0939\u0948\u0964 \u091a\u0932\u093f\u090f \u0938\u092e\u091d\u0924\u0947 \u0939\u0948\u0902 \u0907\u0938\u0947 detail \u092e\u0947\u0902:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd38 50% &#8211; Needs (\u091c\u093c\u0930\u0942\u0930\u0924)<\/h3>\n\n\n\n<p>\u0906\u092a\u0915\u0940 salary \u0915\u093e \u0906\u0927\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0906\u092a\u0915\u0947 basic \u091c\u093c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u094b\u0924\u093e \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rent\/\u0918\u0930 \u0915\u093e EMI<\/li>\n\n\n\n<li>Electricity, internet, phone bill<\/li>\n\n\n\n<li>Daily groceries<\/li>\n\n\n\n<li>Commute (Metro, fuel)<\/li>\n\n\n\n<li>School fees (if any)<\/li>\n<\/ul>\n\n\n\n<p><strong>Example:<\/strong> Rs. 50,000 \u0938\u0948\u0932\u0930\u0940 \u092e\u0947\u0902 \u0938\u0947 Rs. 25,000 \u091c\u093c\u0930\u0942\u0930\u0940 \u0916\u0930\u094d\u091a\u094b\u0902 \u092e\u0947\u0902 \u091c\u093e\u090f\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd38 30% &#8211; Wants (\u0907\u091a\u094d\u091b\u093e\u090f\u0902)<\/h3>\n\n\n\n<p>\u0907\u0938 \u0939\u093f\u0938\u094d\u0938\u0947 \u0915\u094b \u0906\u092a \u0905\u092a\u0928\u0947 \u0932\u093e\u0907\u092b\u0938\u094d\u091f\u093e\u0907\u0932 \u092f\u093e comfort \u092a\u0930 \u0916\u0930\u094d\u091a \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Movies, Netflix, Dining out<\/li>\n\n\n\n<li>Shopping, gadgets<\/li>\n\n\n\n<li>Gym membership, OTT<\/li>\n\n\n\n<li>Small vacations<\/li>\n<\/ul>\n\n\n\n<p><strong>Example:<\/strong> Rs. 50,000 \u0938\u0948\u0932\u0930\u0940 \u092e\u0947\u0902 \u0938\u0947 Rs. 15,000 \u0924\u0915 \u0906\u092a\u0915\u0947 enjoyment \u0914\u0930 personal desires \u092a\u0930 \u0916\u0930\u094d\u091a \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd38 20% &#8211; Savings\/Investments<\/h3>\n\n\n\n<p>\u092f\u0947 \u0938\u092c\u0938\u0947 crucial \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u0948\u0964 \u0907\u0938 \u0939\u093f\u0938\u094d\u0938\u0947 \u0938\u0947 \u0906\u092a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SIP (Mutual Funds)<\/li>\n\n\n\n<li>RD\/FD<\/li>\n\n\n\n<li>Emergency fund<\/li>\n\n\n\n<li>Term insurance, health insurance<\/li>\n\n\n\n<li>PPF\/NPS \u091c\u0948\u0938\u0940 \u0938\u094d\u0915\u0940\u092e \u092e\u0947\u0902 \u092a\u0948\u0938\u0947 \u0932\u0917\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>Example:<\/strong> Rs. 50,000 salary \u092e\u0947\u0902 \u0938\u0947 Rs. 10,000 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938\/\u0907\u0902\u0935\u0947\u0938\u094d\u091f\u092e\u0947\u0902\u091f \u0915\u0947 \u0932\u093f\u090f \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0905\u0917\u0930 \u0916\u0930\u094d\u091a \u091c\u094d\u092f\u093e\u0926\u093e \u0939\u0948 \u0924\u094b \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902?<\/h2>\n\n\n\n<p>\u092c\u0939\u0941\u0924 \u0938\u0947 \u0932\u094b\u0917 \u0915\u0939\u0947\u0902\u0917\u0947 \u2013 &#8220;\u0939\u092e\u093e\u0930\u093e rent \u0939\u0940 Rs. 20,000 \u0939\u0948, \u092b\u093f\u0930 \u0915\u0939\u093e\u0902 \u0938\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0930\u0947\u0902?&#8221;<br>Valid point, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u093e \u092d\u0940 solution \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 Step 1: \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u0947\u0935\u093f\u0902\u0917, \u092b\u093f\u0930 \u0916\u0930\u094d\u091a<\/h3>\n\n\n\n<p>\u0905\u0915\u094d\u0938\u0930 \u0932\u094b\u0917 \u0938\u0948\u0932\u0930\u0940 \u092e\u093f\u0932\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092a\u0939\u0932\u0947 \u0916\u0930\u094d\u091a \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u092b\u093f\u0930 \u091c\u094b \u092c\u091a\u093e \u0935\u094b \u0938\u0947\u0935\u093f\u0902\u0917\u0964 \u092f\u0947 method \u0909\u0932\u094d\u091f\u093e \u0939\u0948\u0964 \u0906\u092a\u0915\u094b \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f:<\/p>\n\n\n\n<p><strong>&#8220;Save First, Spend Later&#8221;<\/strong><\/p>\n\n\n\n<p>\u091c\u0948\u0938\u0947 \u0939\u0940 salary \u0906\u090f, \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 20% \u0939\u093f\u0938\u094d\u0938\u093e \u0938\u0947\u0935\u093f\u0902\u0917 \u0905\u0915\u093e\u0909\u0902\u091f \u092f\u093e SIP \u092e\u0947\u0902 \u0921\u093e\u0932 \u0926\u094b\u0964 \u092c\u093e\u0915\u0940 \u092a\u0948\u0938\u0947 \u0938\u0947 \u092e\u0939\u0940\u0928\u0947 \u0915\u093e budget \u092c\u0928\u093e\u0913\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 Step 2: Auto-Debit \u091a\u093e\u0932\u0942 \u0915\u0930\u0947\u0902<\/h3>\n\n\n\n<p>SIP \u092f\u093e Recurring Deposit \u0915\u0947 \u0932\u093f\u090f auto-debit \u091a\u093e\u0932\u0942 \u0915\u0930 \u0926\u094b, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u0940 \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938 discipline \u092e\u0947\u0902 \u091a\u0932\u0947 \u0914\u0930 \u0906\u092a \u0916\u0930\u094d\u091a \u0938\u0947 \u092a\u0939\u0932\u0947 \u092a\u0948\u0938\u093e \u092c\u091a\u093e \u0938\u0915\u094b\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Real Life Example: Rs. 30,000 \u0938\u0948\u0932\u0930\u0940 \u092e\u0947\u0902 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902?<\/h2>\n\n\n\n<p>\u092e\u093e\u0928 \u0932\u094b \u0906\u092a\u0915\u0940 \u0938\u0948\u0932\u0930\u0940 Rs. 30,000 \u0939\u0948, \u0914\u0930 rent Rs. 8,000, groceries Rs. 5,000, bills Rs. 3,000 \u2014 total Rs. 16,000 \u0916\u0930\u094d\u091a\u0964<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wants \u092e\u0947\u0902 Rs. 6,000<\/li>\n\n\n\n<li>\u092c\u091a\u093e Rs. 8,000 \u2013 \u0907\u0938\u092e\u0947\u0902 \u0938\u0947 Rs. 6,000 \u0915\u094b SIP \u0914\u0930 Rs. 2,000 Emergency Fund \u092e\u0947\u0902 \u0921\u093e\u0932 \u0926\u094b\u0964<\/li>\n<\/ul>\n\n\n\n<p>\u092c\u0938! \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 Rs. 6,000 SIP \u0915\u0930\u0928\u0947 \u0938\u0947 \u0938\u093e\u0932 \u092d\u0930 \u092e\u0947\u0902 Rs. 72,000 \u0914\u0930 10 \u0938\u093e\u0932 \u092e\u0947\u0902 Rs. 12 \u0932\u093e\u0916 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0915\u093e fund \u0924\u0948\u092f\u093e\u0930 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u0905\u0917\u0930 average return 12% \u0939\u094b\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0915\u094c\u0928-\u0915\u094c\u0928 \u0938\u0940 \u091c\u0917\u0939 \u092a\u0948\u0938\u0947 \u0932\u0917\u093e\u090f\u0902?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 SIP (Systematic Investment Plan)<\/h3>\n\n\n\n<p>Equity mutual funds \u092e\u0947\u0902 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 SIP \u0915\u0930\u094b \u2014 Rs. 500 \u0938\u0947 \u0936\u0941\u0930\u0942 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u094b\u0964 5\u201310 \u0938\u093e\u0932 \u092e\u0947\u0902 \u092f\u0947 \u0906\u092a\u0915\u0940 net worth \u0915\u094b 5x \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 Emergency Fund<\/h3>\n\n\n\n<p>\u0915\u092e \u0938\u0947 \u0915\u092e 3\u20136 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 salary \u0915\u0947 \u092c\u0930\u093e\u092c\u0930 \u092a\u0948\u0938\u093e emergency fund \u092e\u0947\u0902 \u0930\u0916\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964 \u0907\u0938\u0947 FD \u092f\u093e high interest savings account \u092e\u0947\u0902 \u0930\u0916\u094b\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 PPF (Public Provident Fund)<\/h3>\n\n\n\n<p>15 \u0938\u093e\u0932 \u0915\u0940 guaranteed investment \u0939\u0948\u0964 Tax-free interest \u0915\u0947 \u0938\u093e\u0925 \u090f\u0915 \u092e\u091c\u092c\u0942\u0924 retirement fund \u092c\u0928\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 Health + Term Insurance<\/h3>\n\n\n\n<p>\u0915\u092e \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u092e\u0947\u0902 future secure \u0915\u0930\u094b\u0964 \u092c\u0940\u092e\u093e\u0930\u0940 \u092f\u093e \u092e\u094c\u0924 \u0915\u093f\u0938\u0940 \u0915\u094b \u092c\u0924\u093e\u0915\u0930 \u0928\u0939\u0940\u0902 \u0906\u0924\u0940, \u0924\u094b \u0924\u0948\u092f\u093e\u0930 \u0930\u0939\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Extra Income \u0915\u0947 Ideas: Side Hustle \u0938\u0947 \u0914\u0930 \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938 \u092c\u0922\u093c\u093e\u0913<\/h2>\n\n\n\n<p>\u0905\u0917\u0930 \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938 \u0928\u0939\u0940\u0902 \u0939\u094b \u0930\u0939\u0940 \u0924\u094b \u0905\u092a\u0928\u0940 income \u092c\u0922\u093c\u093e\u0913\u0964<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Freelancing (Content writing, graphic designing, etc.)<\/li>\n\n\n\n<li>Weekend tutor<\/li>\n\n\n\n<li>YouTube\/Instagram short content<\/li>\n\n\n\n<li>Affiliate marketing<\/li>\n\n\n\n<li>Blogging<\/li>\n\n\n\n<li>Online survey \u092f\u093e review websites<\/li>\n<\/ul>\n\n\n\n<p>Rs. 2,000\u2013Rs. 10,000 \u0924\u0915 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 extra income generate \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u094b \u0915\u0948\u0938\u0947 \u0915\u0902\u091f\u094d\u0930\u094b\u0932 \u0915\u0930\u0947\u0902?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f \u091c\u093c\u0930\u0942\u0930\u0924 \u0914\u0930 \u091a\u093e\u0939 \u092e\u0947\u0902 \u092b\u0930\u094d\u0915 \u0915\u0930\u0947\u0902<\/h3>\n\n\n\n<p>\u0915\u094b\u0908 \u092d\u0940 \u0916\u0930\u094d\u091a \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0916\u0941\u0926 \u0938\u0947 \u092a\u0942\u091b\u0947\u0902: &#8220;\u0915\u094d\u092f\u093e \u092f\u0947 \u091c\u093c\u0930\u0942\u0930\u0940 \u0939\u0948?&#8221;<br>\u0905\u0917\u0930 \u091c\u0935\u093e\u092c \u0928\u0939\u0940\u0902 \u0939\u0948, \u0924\u094b \u091b\u094b\u0921\u093c \u0926\u094b\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f Credit Card \u0938\u0947 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u0940 \u0906\u0926\u0924 \u091b\u094b\u0921\u093c\u094b<\/h3>\n\n\n\n<p>\u091c\u093f\u0924\u0928\u093e \u0939\u0948, \u0909\u0938\u0940 \u092e\u0947\u0902 \u0916\u0930\u094d\u091a \u0915\u0930\u0928\u0947 \u0915\u0940 \u0906\u0926\u0924 \u0921\u093e\u0932\u094b\u0964 EMI \u092a\u0930 iPhone \u0932\u0947\u0928\u0947 \u0938\u0947 better \u0939\u0948 \u0938\u0947\u0935\u093f\u0902\u0917 \u0938\u0947 \u0916\u0930\u0940\u0926\u094b\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f No Spend Days<\/h3>\n\n\n\n<p>\u0939\u0930 \u092e\u0939\u0940\u0928\u0947 4\u20135 \u0926\u093f\u0928 \u0910\u0938\u0947 \u0930\u0916\u0947\u0902 \u091c\u092c \u0906\u092a Rs. 1 \u092d\u0940 \u0916\u0930\u094d\u091a \u0928 \u0915\u0930\u0947\u0902\u0964 Habit \u092c\u0928\u093e\u0913\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2714\ufe0f Unsubscribe from unwanted apps<\/h3>\n\n\n\n<p>Netflix, Amazon Prime, Zee5, Hotstar \u0938\u092c \u090f\u0915\u0938\u093e\u0925 \u0915\u094d\u092f\u094b\u0902? \u090f\u0915 \u092f\u093e \u0926\u094b \u0939\u0940 \u0930\u0916\u094b\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compound Interest: \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u093e Superpower<\/h2>\n\n\n\n<p>\u0906\u092a\u0928\u0947 \u0938\u0941\u0928\u093e \u0939\u094b\u0917\u093e \u2013 <strong>\u201cCompound interest is the 8th wonder of the world\u201d<\/strong><br>Albert Einstein \u0928\u0947 \u092f\u0947 \u0915\u0939\u093e \u0925\u093e\u0964<\/p>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 Rs. 5,000 SIP \u0915\u0930\u0924\u0947 \u0939\u094b \u0914\u0930 12% return \u092e\u093f\u0932\u0924\u093e \u0939\u0948:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Years<\/strong><\/td><td><strong>Total Investment<\/strong><\/td><td><strong>Final Amount<\/strong><\/td><\/tr><\/thead><tbody><tr><td>5<\/td><td>Rs. 3 \u0932\u093e\u0916<\/td><td>Rs. 4.1 \u0932\u093e\u0916<\/td><\/tr><tr><td>10<\/td><td>Rs. 6 \u0932\u093e\u0916<\/td><td>Rs. 11.6 \u0932\u093e\u0916<\/td><\/tr><tr><td>15<\/td><td>Rs. 9 \u0932\u093e\u0916<\/td><td>Rs. 27.6 \u0932\u093e\u0916<\/td><\/tr><tr><td>20<\/td><td>Rs. 12 \u0932\u093e\u0916<\/td><td>Rs. 59.9 \u0932\u093e\u0916<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u092f\u093e\u0928\u093f Rs. 5,000 \u0915\u0940 \u091b\u094b\u091f\u0940 saving \u0906\u092a\u0915\u094b \u0915\u0930\u094b\u0921\u093c\u092a\u0924\u093f \u092c\u0928\u093e \u0938\u0915\u0924\u0940 \u0939\u0948 \u2014 \u0905\u0917\u0930 patience \u0914\u0930 consistency \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3 Golden Mantras \u0939\u0930 salary earner \u0915\u0947 \u0932\u093f\u090f:<\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Pehle Save Karo, Baad Me Kharch Karo<\/strong><\/li>\n\n\n\n<li><strong>Income <\/strong><strong>\u092c\u0922\u093c\u093e\u0913<\/strong><strong>, <\/strong><strong>\u0916\u0930\u094d\u091a<\/strong><strong> <\/strong><strong>\u0918\u091f\u093e\u0913<\/strong><\/li>\n\n\n\n<li><strong>Consistency <\/strong><strong>\u0930\u0916\u094b<\/strong><strong>, <\/strong><strong>\u091c\u0932\u094d\u0926\u0940<\/strong><strong> <\/strong><strong>\u092e\u0924<\/strong><strong> <\/strong><strong>\u0915\u0930\u094b<\/strong><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u0906\u091c \u0915\u0947 \u091f\u093e\u0907\u092e \u092e\u0947\u0902 \u091a\u093e\u0939\u0947 \u0906\u092a\u0915\u0940 \u0938\u0948\u0932\u0930\u0940 Rs. 20,000 \u0939\u094b \u092f\u093e Rs. 2 \u0932\u093e\u0916, \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0930\u0928\u093e \u0939\u0930 \u0915\u093f\u0938\u0940 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092c\u0921\u093c\u0940 \u091a\u0941\u0928\u094c\u0924\u0940 \u092c\u0928 \u091a\u0941\u0915\u093e \u0939\u0948\u0964 \u092e\u0939\u0902\u0917\u093e\u0908, \u0916\u0930\u094d\u091a\u0947 \u0914\u0930 \u0932\u093e\u0907\u092b\u0938\u094d\u091f\u093e\u0907\u0932 \u0915\u0947 \u092c\u0940\u091a \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0941\u091b \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938 \u0915\u0930\u0928\u093e \u0905\u0938\u0902\u092d\u0935 \u0938\u093e \u0932\u0917\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0905\u0917\u0930 \u0906\u092a \u0925\u094b\u0921\u093c\u093e \u0938\u093e discipline \u0914\u0930 \u090f\u0915 \u0938\u093f\u0902\u092a\u0932 \u092b\u093e\u0930\u094d\u092e\u0942\u0932\u093e \u0905\u092a\u0928\u093e\u090f\u0902, \u0924\u094b \u0928 \u0938\u093f\u0930\u094d\u092b<\/p>\n","protected":false},"author":3,"featured_media":40851,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/images.moneycontrol.com\/static-hindinews\/2025\/04\/SalaryTips1600.jpg","fifu_image_alt":"Salary Saving Formula: \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902? \u092f\u0947 \u0938\u093f\u0902\u092a\u0932 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u092c\u0928\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0906\u092a\u0915\u094b \u091c\u0932\u094d\u0926\u0940 \u0905\u092e\u0940\u0930","footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-40253","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-saving"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Salary Saving Tips: \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u093e \u0938\u0939\u0940 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e<\/title>\n<meta name=\"description\" content=\"\u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0930\u0928\u093e \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0905\u092a\u0928\u093e\u090f\u0902 \u092f\u0939 \u0938\u093f\u0902\u092a\u0932 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u0914\u0930 \u092c\u0928\u093e\u090f\u0902 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u092b\u094d\u0930\u0940\u0921\u092e \u0915\u093e \u0930\u093e\u0938\u094d\u0924\u093e\u0964 \u091c\u0932\u094d\u0926\u0940 \u0905\u092e\u0940\u0930 \u092c\u0928\u0928\u0947 \u0915\u093e \u092a\u094d\u0932\u093e\u0928 \u0924\u0948\u092f\u093e\u0930 \u0915\u0930\u0947\u0902\u0964\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investpolicy.in\/hindi\/salary-saving-tips-apply-this-formula-to-save-salary-every-month-will-soon-become-rich\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Salary Saving Tips: \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u093e \u0938\u0939\u0940 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e\" \/>\n<meta property=\"og:description\" content=\"\u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0930\u0928\u093e \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0905\u092a\u0928\u093e\u090f\u0902 \u092f\u0939 \u0938\u093f\u0902\u092a\u0932 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u0914\u0930 \u092c\u0928\u093e\u090f\u0902 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u092b\u094d\u0930\u0940\u0921\u092e \u0915\u093e \u0930\u093e\u0938\u094d\u0924\u093e\u0964 \u091c\u0932\u094d\u0926\u0940 \u0905\u092e\u0940\u0930 \u092c\u0928\u0928\u0947 \u0915\u093e \u092a\u094d\u0932\u093e\u0928 \u0924\u0948\u092f\u093e\u0930 \u0915\u0930\u0947\u0902\u0964\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investpolicy.in\/hindi\/salary-saving-tips-apply-this-formula-to-save-salary-every-month-will-soon-become-rich\/\" \/>\n<meta property=\"og:site_name\" content=\"investpolicy.in\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/investpolicy\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-10T11:30:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-30T10:33:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/images.moneycontrol.com\/static-hindinews\/2025\/04\/SalaryTips1600.jpg\" \/><meta property=\"og:image\" content=\"https:\/\/images.moneycontrol.com\/static-hindinews\/2025\/04\/SalaryTips1600.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" 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class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.investpolicy.in\\\/hindi\\\/salary-saving-tips-apply-this-formula-to-save-salary-every-month-will-soon-become-rich\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.investpolicy.in\\\/hindi\\\/salary-saving-tips-apply-this-formula-to-save-salary-every-month-will-soon-become-rich\\\/\"},\"author\":{\"name\":\"Shehnaz Beig\",\"@id\":\"https:\\\/\\\/www.investpolicy.in\\\/hindi\\\/#\\\/schema\\\/person\\\/1527421544c64b83cacb402d37852d2f\"},\"headline\":\"Salary Saving Formula: \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902? \u092f\u0947 \u0938\u093f\u0902\u092a\u0932 \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u092c\u0928\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0906\u092a\u0915\u094b 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