Hi Friends. Angel One ke is podcast mein aapka swagat hai.
Doston 2020 abhi khatm nahi hua hai - aur logon ne 2021 ke liye naye resolutions banana shuru kar diya hai. After all, new year ke time par, naye goals achieve karne ka will power aapko nayi uchaiyon tak pahuncha sakta hai, aur aap apne life ki trajectory ko ek naya direction de sakte ho.
Doston aap financial goals set karne ki importance ko toh samajhte hi hoge. Chahe aapne apne financial goals achieve kar liye hon, ya aap abhi bhi apne financial goals achieve karne ke process mein ho - naye goals set karna unko asliyat mein laane ke liye pehla step hota hai. Isliye, aaj hum discuss karenge some financial resolutions jo aapko aane wale saal mein consider karna chahiye. Toh lets start right away!
Number 1 - Waise toh hum 2021 ke baare mien baat kar rahe hain, lekin 2020 is still going on. Financially speaking, naye saal ko apne pichle saal ke ITR file karne ke stress se start karne ka kya fayda, hai ki nahi? 2019 se 2020 ke period ka ITR file karne ke liye 31st december last date hai. We recommend ki aap apna ITR new year ki party celebrate karne se pehle file kar den, taaki aapko late filing ki penalty bhi na lage, aur aap apne new year party mein taxes ke tension se free raho.
Number 2 - Agar aap next year ke liye apni savings maximize karne ki koshish kar rahe ho, toh investments par tax benefits claim karna na bhoolein. ITR due date ke pehle file karna utna hi zartoori hai, jitna ki timely investments karna. Dont forget - agar aap tax benefits ke liye last minute investments karte ho, toh you might face an unexpected situation. Kyunki sometimes, jab aap investments ke liye apply karte ho, to you might experience a delay of 3-4 days as a result of the processing time. Is reason se aap apne ITR mein tax deductions claim nahi kar paoge. Entering the new year, investments regular intervals me, timely basis par karte rahen.
Number 3 - Apne financial goals ko redefine karen. 2020 kai logon ke liye ek turbulent year tha - markets mein instability bhi dekhne ko mili, and aur kuch logon ke investments bhi sink hue. Lekin think about this - apke investment goals market conditions se define nahi hone chahiye. Do you know why? Kyunki 2020 mein stock markets bearish hone ke baawjood, markets mein 5 mahine ke andar recovery dekhne ko mili. Na kewal Indian stock markets mein, but globally. Learn something from this - stock markets mein rock bottoms hit hote rehte hain, lekin over the long term, ye curves flatten out ho jaate hain, aur last mein aapke funds ki growth will stand out. So set your financial goals, and accordingly apne investments ko plan karen.
Number 4 - Apni banking habits par close attention rakhen. Kai log apne inactive accounts se simply transact karna band kar dete hain, aur unhe dormant chhod dete hain. Apne inactive bank accounts ka closure request karen, aur apne active accounts ko closely observe karte rahen. More on that later - lekin banking ke mudde par ek aur baat - kya aap apne bank accounts ke transactions ko segregated rakhte ho? Agar aapke do bank accounts kain, toh unke transactions aur deposits ko in accounts ke uddeshy ke basis par segregate karen. For example, salary account ko apne regular, day-to-day transactions ke liye use karen aur apne savings account ko investments aur emergency funds ke liye use karen - apne EMIs aur credit card purchases ko ek account par rakhen, taaki aap apne liabilities aur assets ko easily track kar payen. Doston, remember this important point: healthy financial habits apnane se pehle, aapko apne finances ke baare mein detailed information hona bhi equally zaroori hai.
Number 5 - Last point mein hum healthy financial habits ki baat kar rahe the. Kya aap pichle saal apni expectations ke mukable kam savings kar paaye? Kya aapke finances weak dikhai de rahe hain? Aapki earnings chahe kitni bhi ho, agar aap apne paise ko intelligently manage nahi karoge, toh no amount of money will look enough. Saath hi, aapki earnings increase hone se aapki financial stability increase nahi hogi. Instead, apne earnings ko 50-30-20 rule se manage karen - yani,apne earnings ka 50% portion needs par spend karen, 30 percent wants pe, aur 20% ko save karen. Is famous rule se aap apne finances ko strengthen kar sakte ho, woh bhi in no time! Agar aap spending ko regulate karne mein unsuccessful feel karte ho, toh aap kisi financial app ki madad bhi le sakte ho, jo aapko healthy spending habits form karne mein madad karta hai - now that’s a real investment in yourself, and a big change you can resolve to undertake for the coming year!
Number 6 - Doston hum recently credit cards ke baare mein baat kar rahe the. Kai log credit cards ko criticize karte hain, kyunki unke mutabik credit cards se unhealthy financial habits form hoti hain. Lekin, think about it this way - just because you can afford to buy something on short-term credit, kya aapko ye purchase actually karna chahiye? Kya credit cards ka yahi ultimate purpose hota hai? The truth of the matter is that credit cards aapko kai benefits provide kar sakte hain. For example, kya aap regularly restaurants par dine outs ke liye jaate ho? If yes, toh multiple credit cards se aap apne favourite restraunts par discounts aur cashbacks avail kar sakte ho. 3-4 credit cards hone se aap apni favourite, aur well deserved spends par bhi save kar sakte ho - lekin agar aap apne multiple credit cards ko abuse kar rahe ho, toh ye aapke number of credit cards ki bajay financial habits change hone ki necessity indicate karta hai. Pehle healthy financial habits form karen, aur fir ap[ne credit cards se spendings ki jagah savings maximize karne ki habit banayen.
Number 7 - Doston investments mein diversification ki importance ke baare mein sabhi log baat karte hain - lekin diversifying successfully takes substantial research and effort. In fact, aap 2020 ke investment experience se kai saari observations ko 2021 mein practice mein lekar aa sakte ho. For example, pandemic hit hone ke bawjood, kuch sectors ne apne historical growth figures ko outperform kiya. Tech stocks stood out in the US markets, and in fact, India mein bhi IT sector mein significant growth dekhne ko mili. Pharma stocks mein bhi growth dekhne ko mili, despite a global bearish environment. In observations se aapko ek baat samajhna chahiye - diversification ki koi “one size fits all times” strategy nahi hoti. In fact, effective diversification ke liye aapko markets par ek birds-eye view bana ke rakhna chahiye, and aur is context mein apne investments par round-the-year nazar rakhna chahiye.
Number 8 - Investments ki baat ke chalte liabilities ki baat bhi kar lete hain. Doston agar aapke existing loans ya purchases par EMIs active hain, toh timely repayment karna na bhoolein. Ye isliye, kyunki aapki credit history aapki future financial life ka ek integral part hoga. Ek healthy credit score banane aur maintain karne ke liye aap kuch simple habits practice kar sakte ho - for example, loans par default na karna is a no brainer - lekin regular, small loans par timely aur regular repayments se aapki borrowing capacity increase hone ke saath saath apka credit score bhi boost hoga. Money borrow karne se pehle aapko apne EMIs apne monthly bodget mein fit karke dekhna chahiye. Apne credit card ki spending aur repayment habits ko bhi check mein rakhen, as abusing your credit card to its maximum limit can also negatively impact your credit scores.
Number 9 - Digital security mein negligence ki jagah diligence practice karen - jab aap digitally transact kar rahe hon, toh look for sign of digital trust. 2020 mein cybersecurity massive growth hui, kyunki digital transactions badhne ke saath saath cyberattacks ke numbers aur varieties mein bhi increase ho raha hai - but this doesn’t mean ki you have to stop transacting digitally - all you need to do, is to practice diligence while transacting online, bilkul usi tarah jaise aap shops pe payment karte hue siligence practice karte hain. Apne passwords ko strengthen karen, and more importantly, unhe yaad rakhen. After all, passwords bhoolna risky bhi hota hai, aur time consuming bhi.
Toh doston, these are some of the resolutions that you can take up for the coming year. Yaad rakhen, ki one-time actions ke mukaable, habits are more powerful, chahe aap monetary investments ki baat karo, ya fir personal investments ki. In fact, healthy financial habits form karna difficult hota hai, lekin these habits will help you give a new shape and definition to your financial goals and how you achieve them in the long run.
So start taking up resolutions today, even if it is just one - make a habit, aur keep practicing jab tak aapke resolutions habits aur reality mein na badal jayen. Angel One wishes you the very best, as you resolve to your new financial goals for the next year.
Tab tak ke liye alvida doston, aur milte hain next podcast mein.
