Prepare to combat inflation

Prepare to combat inflation

महंगाई से मुकाबले की कड़ी तैयारी

 

महंगाई जो हर देश के लिए हर घर के लिए बहुत बड़ी समस्या है। आइए आज इस से निपटने के लिए कुछ बातें करें!

 

महंगाई ने हर किसी के नाक में दम कर रखा है। हर इंसान कम होती कमाई और लगातार बड़े खर्चों से परेशानी चीजों की कीमत सिर चढ़कर बोल रही है। ऐसे में मनी मैनेजमेंट का ख्याल रखना बेहद जरूरी है। जाने कि किस तरह आप अपने बजट में रखते हुए महंगाई का कुशलता पूर्वक मुकाबला कर सकती हैं।

 

निवेश की आदत डालें :— आप सोच रही होंगी कि भला पैसों की भी खेती होती है? जी हां बिल्कुल होती है बस इसका तरीका थोड़ा अलग है। पैसे को तिजोरी या बचत खाते में रखने के बजाय सही जगह खर्च करें। क्योंकि हर साल साढ़े तीन से चार फीसदी की बयाज दर से रुपया का अवमूल्यन होता है।उसके कार्य कार्य शक्ति बनाए रखने और मुद्रास्फीति की चपेट से बचने के लिए उन्हें Fixed deposit में डालें।इसमें अच्छा ब्याज मिल सकता है। प्रॉपर्टी, सोना, चांदी, शेयर अथवा म्यूचुअलफंड में भी निवेश कर सकती है।

 

वेस्टेज पर करें कंट्रोल :— माना जाता है कि भारत के शहरी उपभोक्ता खरीदे गए खाद्य पदार्थों में से आमतौर पर 15 से 20 फ़ीसदी पैसे बर्बाद कर देते हैं।एक तो महंगाई ऊपर से पैसे की ऐसी बर्बादी अगर आप अपना बजट सुचारू और व्यवस्थित रखना चाहती है तो कुछ बातों पर विशेष ध्यान देना जरूरी है। जैसे कि जल्दी खराब होने वाली चीजें कम मात्रा में खरीदे पहले से खरीदी हुई चीजों के खपत हो जाने के बाद ही दूसरा सामान लाए। सेल के लालच में सामान ना खरीदें बल्कि जरूरत के अनुसार खरीदे आदि।क्योंकि हमारे माताओं, बहनों और बेटियों को सेल में कुछ ज्यादा ही दिलचस्पी रहती है।

 

होलसेल में खरीदें :— साबुन डिटर्जेंट, दालें, चावल, आटा, टूथपेस्ट आदि सामान काफी दिन तक स्टोर किये जा सकते हैं। इसलिए उन्हें थोक में खरीदना बेहतर है। इसे आप आसानी से कम से कम 20 से 25 फ़ीसदी तक खुले आइटम में और 8 से 12फीसदी ब्रांडेड आइटम तक बचत कर सकती है। चाहे तो अपने रिश्तेदारों, पड़ोसियों और मित्रों को भी अपने इस शॉपिंग अभियान में शामिल कर ले और थोक भाव में सामान मंगवा कर इसे आपस में बांट लें इससे काफी बचत होगी।

 

बाजार में कम खाएं :— अपने काम के दौरान पर दोपहर का खाने के लिए बाहर भोजन पर निर्भर न रहकर घर से तैयार लंच बॉक्स लेकर जाना सस्ता भी है और स्वास्थ्य के लिहाज से बेहतर है। बाहर का खाना काफी महंगा पड़ता है आज के समय में हम ढंग से अगर किसी ठीक-ठाक रेस्टोरेंट या ढाबे में भरपेट भोजन करना चाहे तो कम से कम 100 से 150 खर्च हो ही जाते हैं।साथ ही वहां तक जाने में वक्त बर्बाद होता है सो अलग। ऐसे में घर से बना टिफिन ले जाकर अच्छे पैसे बचाए जा सकते हैं।

 

ब्रांडेड के चक्कर में ना उड़ाए पैसे :— जान लेकि कॉरपोरेटर हाउस ग्राहकों को लुभाने के लिए अपने प्रोडक्ट ऐड पर जो करोड़ों रुपए खर्च करते हैं। उसे वापस आपसे ही वसूलते हैं। ब्रांड के नाम पर उत्पादों की कीमत कई गुना बढ़ा दी जाती है। अतः खुद खरीदने से पहले मार्केट रिसर्च जरूर करें। ब्रांड और पैकेजिंग के क्वालिटी पर ध्यान दें।

 

सफर के खर्च में करें कटौती :— ऑफिस आने-जाने के लिए अकेले बाइक या कार में जाने के बजाय बाइक या कार पूलिंग का उपयोग करें।सरकारी वाहन का उपयोग करने भी आपके काफी पैसा बच सकते है। ऑफिस द्वारा अगर लाने ले जाने के लिए वाहन सुविधा दी गई हो तो उसका उपयोग करना भी बेहतर रहेगा।

 

 

नोट :— अगर हम सब इन सब बातों का ख्याल रखें तो महंगाई हम पर नहीं हम महंगाई पर हावी हो जाएंगे।

 

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