Budget

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;du| b]zsf] jflif{s sfo{tflnsf g} Pp6f l;+uf] ah]6 xf] . b]zsf cfjZostf / clgjfo{ of]hgfx?sf] ;kmn sfof{Gjog To; b]zsf] ah]6df lge{/ /xG5g\ . sxfF s:tf k|sf/sf of]hgfx?sf] cfjZostf 5 To;sf] cWoog u/]/ ltg} of]hgfx?sf] ;kmn sfo{;DkGg ug{ ah]6 agfOg] ul/G5 . cfo / Joosf] n]vfhf]vf ;lxt b]zn] lglZrt sfo{sfnsf nflu ul/g] ;Dk"0f{ sfo{qmd ah]6df ;d]l6Psf] x'G5 . Many people think of budgeting as something to do when they're short on cash. College students might turn to a budget to figure out how to make due with their high expenses and limited incomes. Wise new grads create budgets to make sure they're properly allocating their first paychecks among emergency savings, retirement savings, student loan repayments, rent and utilities, and rewards for their hard work like new gadgets and nights on the town. Young couples trying to figure out how to afford a wedding, or newlyweds wondering how to fit the expense of buying a house or having a child into their monthly cash flow, are also likely to make budgets. Of course, budgets are commonly associated with people of all ages who are barely able to make ends meet.

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ah]6 eg]sf] s'g} klg ;+3;+:yf, sDkgL tyf ;xsf/L ;+:yfx?sf] jflif{s, cw{jflif{s  tyf dfl;s ;dosf nflu agfOg] sfo{tflnsfnfO{ ;du|df ah]6 elgG5 . csf]{ zAbdf ah]6 eg]sf] b]zsf] lglZrt ;dosf nflu agfOPsf] Pp6f of]hgfj4 sfo{qmd xf] . o;n] :yfg, ;do, cj:yf, kl/l:ylt cflbsf] cfn+sg u/]/ jflif{s of]hgfx?sf] sfof{Gjogsf nflu lglZrt nfut /sd 5'6\ofpg] ub{5 . sxfF s:tf k|sf/sf ljsf; lgdf{0f ug{ h?/L 5g\ ltgLx?sf] n]vf ub}{ Pp6f lb3{sflng of]hgfnfO{ lnOP/ cfp5 / To;}sf] sfo{ ;DkGg ug{nfO{ jflif{s ah]6 jf cf+lzs ah]6df ljlQo Jojef/ 5'6\ofOPsf] x'G5 . To;sf cjnf b]zsf b}lgs sfo{ ;~rfng ug{ Pp6f ljlQo ef/nfO{ 5'6\ofOsf] ;dli6ut of]hgfsf] ?k g} ah]6 xf] . A budget is a financial document used to project future income and expenses. The budgeting process may be carried out by individuals or by companies to estimate whether the person/company can continue to operate with its projected income and expenses. An itemized forecast of an individual's or company's income and expenses expected for some period in the future. With a budget, an individual is able to carefully look at how much money they are taking in during a given period, and figure out the best way to divide it among a variety of categories. When making a personal budget, an individual will typically designate the appropriate amount of money to fixed expenses such as rent, car payments, or utility bills, and then make an educated estimation for how much money they will spend in other categories, such as groceries, clothing, or entertainment. By keeping track of where one's money goes, one may be less likely to overspend, and more likely to meet their financial goals.

x/]s aif{sf] Ps cfly{s jif{sf] ;dflKt;Fu} csf]{ cfly{s aif{sf] nflu ah]6 agfOG] rng x/]s b]zdf 5 . xfd|f] b]zdf rfFxL jif{sf] z'?df geO x/]s cf;f/ d;fGtdf cfly{s jif{ ;dflKt / ;fjg ! ut]b]lv cfly{s jif{sf] z'?jft ul/G5 . of] k/Dk/f g]kfndf w]/} nfdf] ;dob]lv /xb} cfPsf] 5 . u0ftGq g]kfn x'Fbf klg o;}n] lg/Gt/tf kfO/x]sfs] 5 .  

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olt j]nf g]kfndf s'g} l:y/ ;/sf/ gePsf] cj:yf 5 . ;+ljwfg;efsf] lju6g;Fu} b]z Pp6f cGof]nu|:t cj:yfdf 5 . t/ b]zsf] dxTjk"0f{ sfo{ of]hgf cyf{t ah]6 agfpg' kg]{ cj:yf klg cfPsf] 5 . olt a]nf ;/af/nfO{ ah]6 agfpg lgs} ;d:of kg]{ b]lvG5 . x'g t ;/sf/n] cWofb]z dfkm{t ah]6 Nofpg ;Sg] k|fjwfg xf]nf t/ o;f] ubf{ emg b]zdf /fhg}lts åGå a9]/ hfg] b]lvG5 . To;}n] klg /fhg}lts ;xdltsf cfwf/df ah]6 agfpg ;s] jh]6 sfof{Gjogdf ;xhtf cfpg] b]lvG5 . ;a} kf6L{sf lj1 a;]/ ah]6 agfpg ;s] To;sf] Jojxfl/s kIf klg ;kmn x'g] b]lvG5 . olt a]nf b]zdf nueu zflGtk"0f{ cj:yf cfPsf] 5 . hgtfx?df yk lg/f; gagfpg klg ;xdlto ah]6nfO{ hf]8 lb+bf ;/sf/nfO{ ;lhnf] x'g] b]lvG5 .  kl5Nnf b]zsf] cj:yfn] klg b]vfp5 cjsf hgtfx? S;}sf] kl5 nfUb}gg\ /fhg}lts sf/0fn] jfSs eO;s]sf 5g\ . h:t} ;+ljwfg ;efsf] lju6g u/]sf] ef]lnkN6 cyf{t h]7 !% ut] nfvf}+ hgtf ;8sdf cf]n{g' k¥Yof] Tof] klg ePg . @^ ut] /fhwfgLdf cfsfz} v:5 elgPsf] lyof] Tof] klg ePg . To;}n] hgtfsf nflu ah]6 xf] eg] ;a} kIfsf g]tfx? xf]Og lj1x? a;]/ ah]6 agfpbf b]zdf ;sf/fTds c;/ kg]{ b]lvG5 .

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/fhg}lts ;xdlt;lxtsf] k"/s ah]6af6 dfq b]zsf] ah]6 agfpbf cy{k"0f{ / sfo{ ;Dkfbg ug{ ;lhnf] x'G5 . zfob To;}nfO{ ;kmn ah]6 eGg ldN5 . Pp6f ;/sf/n] agfPsf] ah]6 csf]{ ;/sf/sf kfnfdf klg Tolx ah]6sf] cfwf/df sfo{qmdx? cufl8 a9fpg ;s] ah]6sf] ;kmntf a9\b} hfG5 . emngfy vgfnsf] ;/sf/n] agfPsf] ah]6nfO{ g} o; ;/sf/n] lg/Gt/tf lbPsf] x'Fbf agfOPsf of]hgfx?nfO{ cufl8 a9fpg ;lhnf] ePsf] lyof] . cfufld lbgx?df klg o:t} kl/kf6L{ a:b} uP  ck]Iffs[t Pp6f /fd|f] kIfsf] ljsf; x'Fb} hfg]5 . To;}n] jt{dfg ;/sf/n] cf+lzs ah]6 tkm{ nfUg' eGbf k"/s ah]6 g} Nofpg' kg]{ b]lvG5 .  

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 ;w}+sf jif{ klg ah]6 cfpYof] . b]lvGYof] ls;fgx?, 8«fOe/x?, dhb'/x? /]l8of] af]s]/ ;'lg/x]sf x'Gy] ;/sf/n] xfd|f] nflu s:tf] ah]6 Nofof] . ;a}sf cfzf ;/sf/ dfly k¥Yof] . ;/sf/n] kSs} o; jif{ t xfd|f nflu klg s]xL u/]sf] x'g'k5{ . hj cy{ dGqLsf] jh]6 efif0f ;'Gb} hfGy] ;Fu;Fu} cffˆgf cfzfx? v'Drfpb} hfGy] hj cy{ dGqLsf] efi0f ;lsGYof] tj ltgLx?sf] d'vaf6 cs:dft Pp6f zAb lg:sGYof]–gfy] ;/sf/ . jf:tjdf lxhf] ;Ddsf ah]6n] g]kfnL hgtfx?nfO{ dg} 5'g] u/]/ s'g} gf}nf] s'/f Nofpg ;s]sf] 5}g . ;fFRr} eGg] xf] / b'Mv gdfGg] xf] eg] lxhf];Ddsf ah]6x? sd{rf/Lsf] tnj j[l4 / Jofkf/Lsf] nflu ;'ljwfdf lglxt x'Gy] . olb To;f] gx'Fbf] xf] t sd{rf/Lsf] k]g8fpgsf] ;fdgf ;/sf/n] ug'{ k¥Yof] .

&# k|ltzt ls;fgsf nflu ;/sf/n] hDdf ah]6sf] # k|ltzt 5'6\ofYof] . a]/f]huf/, u/La, lgd'vf, dhb'/ nufotsf %) k|ltzt eGbf a9L hgtfsf nflu s'g} klg s'/f ah]6df pNn]v ePsf xb}g lyP . ;/sf/n] tnj a9fof] eg] ;kmn ah]6sf] ?kdf jh]6 bl/GYof] . l;df+s[t If]qx?df, u/LaL e'mk8Lx?df, a]/f]huf/L cfjfhx?df gt ah]6n] af]Ng vf]HYof] gt rfxfGYof] g} . To;}n] h:tf;'s} d} x'F eGg] cy{ljb eg] klg lxhf]sf s'g} klg ah]6 ;kmn ePsf 5}gg\ .  

/fhg}lts kf6L{sf sfo{stf{x?nfO{ ;+/If0f ug{sf nflu sltjko zLif{sx? /fv]/ ah]6 ljlgof]hg ul/Psf x'G5g\ . t/ klg To; kIfdf xfd|f :j3f]lift cy{ljbx? Cfjfh p7fpb}gg\ KjfSs af]N5g\ ah]6 c;fWo} /fd|f] 5 .  ;w}+ e'Q] ah]6 k:s]/ ;/sf/x?n] ljz]if cy{dGqLx?n] hgtfnfO{ wf]sf lbO/x]sf 5g\ To;}n] o; k6s rfFxL ah]6 clns k[ys / ;a}nfO{ ;d]6\g] vfnsf] x'g'k5{ .

;w}+sf jif{sf t'ngfdf o; k6s s[lif If]qdf nufgL a9fpg' kg]{ b]lvG5 . ;w}+sf jif{df s[lifnfO{ cGofo u/]/ # k|ltzt dfq ah]6 5'6\ofOP klg o; jif{ s[lif If]qsf] ah]6df @) k|ltzt;Dd k'¥ofpg' kg]{ b]lvG5 . b]zsf &# k|ltzt hgtfx? S[lif If]qaf6 lge{/ /x]sf] cj:yfnfO{ Wofgdf /flv ah]6df ef/L j[l4 ug'{ kg]{} b]lvG5 , s[lif ;DalGw gof gof of]hgfx?df klg Wofg lbg' kg]{ b]lvG5 . s[lifsf] kx'Fr lxdfnL e]u;Dd ePsf]n] ToxfF;Ddsf hgtfx?nfO{ ;Djf]wg x'g] u/]/ ah]6df Joj:yf x'g'k5{ .  lzIff If]qdf ah]6 5'6\ofpFbf s[lif lzIff tyf k|fljlws lzIffnfO{ ljz]if k|fyldstfdf /fVg'k5{ .  z}lIfs a/f]huf/x?sf nflu cfjZOs Joj:yf ug{ ;Sg'k5{ . h:t} ;l6{lkms6sf] cfwf/df /f]huf/ nf]gsf] Joj:yf ug'{k5{ . h:t} :gftsf]Q/ plQ0f{ ug]{nfO{ sDtLdf % nfv;Dd nf]g, :gfts ug]{nfO{ # nfv;Dd / ±@ ug]{nfO{ @ nfv;Dd / P;Pn;L ug]{nfO{ ! nfv ;Dd /f]huf/d"ns nf]gsf] Joj:y fug{;Sg' k5{ . z}lIfs k|df0fkqsf] cfwf/df k|bfg ug{ ldNg] o:tf C0fx?sf] Joj:yf ;/sf/n] ul/lbg] xf] eg] ljb]zLg] dflg;sf] ;+Vof 36\g] / b]zdf :j/f]huf/sf cj;/x? a9\b} hfg] b]lvG5 .

Cfhsf jif{;Dd klg ls;fgx?n] cfˆgf] hldg lwtf] /fv]/ C0f lgsfNg ;Sb}gg\ t/  cGo dflg;x?sf nflu ;/n / ;xh 9+uaf6 C0f lng;Sg] Joj:yf ;/sf/n] ub}{ cfPsf] 5 . To;}n] ls;fgx?af6 /fHosf] 9's'6Ldf s'g} k|sf/sf] c;/ k/]sf] 5}g t/ ck|f;+lus C0f lng]x?n] a}+s g} 8'jfPsf 5g\ To;}n] ls;fgx?nfO{ s[lifhGo C0fsf] ;xh Joj:yf ug'{k5{ . Knl6ªdf k|ltaGw nufpg'k5{ . ;fy} o;} k6ssf] ah]6 b]lv cfTdk"/s ah]6 Nofpg] s;/t ug'{k5{ .  ljb]zLsf] d'v tfs]/ ah]6 Nofpg x'Fb}g . olb ;/sf/n] ;S5 eg] ljb]zL u}/ ;/sf/L ;+:yfx?nfO{ k|ltaGw g} nufpg'k5{ . ljleGg dfWodaf6 g]kfn l5g]{ cfOPglhcf]x?sf sf/0f b]zsf u/LaL a:tLdf k;]/ g]kfnL ;dfhsf] ?k/]vfdf gs/fTds c;/ kfb}{ nu]sf 5g\ . To;}n] cGt/fli6«o ;+:yfsf gfddf cfOl;cf/;L afx]s ;a}nfO{ k|ltaGw nufpb} hfg'k5{ .  hj;Dd cfkm}df k"0f{ x'g] k|of; ul/b}g tj;Dd ljb]zLsf] k|efj kl//xG5 .

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b]zsf] cj:yfnfO{ Wofgdf /fv]/ ah]6 lgdf{0fdf Wofg lbg'k5{ . lgjf{rg klg olx jif{ ePsf] x'Fbf ah]6sf] cfsf/ s:tf] x'g] xf] Tof] klg ;a} a;]/ ;xdlt u/]/ g} cufl8 a9\bf /fd|f] x'G5 . ;a} klIfo lj1x?sf] ;fwf wf/0ffdf ah]6 agfpg ;s] dfq ah]6sf] ;kmntf hf]Vg ;lsG5 .

ah]6 agfpg' dfq} ;a}yf]s xf]Og ah]6sf] sfof{Gjogdf ;d]t Wofg lbg'k5{ . ut;fnsf] ah]6 slt ;DkGg eof] To;sf] cWoog ul/ nuftf/ ah]6 dfq agfpbf b]zn] ;du|df pGgltsf] :jfb rfVg kfpb}g . plx ;w}=sf jif{df h:t} cfp5g\ hfG5g\ . To;}n] ah]6 agfpbf k"j{ of]hgfx?sf] sfo{k|ultnfO{ klg x]g'{k5{ .