How To Save Money?

Qasim bhai

agaer mujhe pata hota tu ajj may ameer ho gai hoti pase bacha bacha kar

heeee heee

just kidding

wase itna koi mushkil kam bhi nahi he,app yeh dekhien ke kahan app ke pase bila zarorat kharach ho rahe haien bus wahan appna hath rok daien or agar app bahir khana mahine may 6 bar khate hiaen tu mahine may 3 bar kar daien ase bhout si chezien haien jin ki waja se app pason ki bachat kar sakte haien

or app jo bhi shopping karte haien try karien ke sale dekhien ke app ko kahan achi deal mil rahi he,ku ke bhout si chezien aik store par ziyadah qeemat ki hoti he tu dosre store par uss se kam qeemat par mil jati he

or agar coupons wagera app ke pass haien tu zaror use karien uss se bhi bari bachat ho jati he

or app ki jo bhi salary ati he uss may se har mahine kuch pase nikal kar saving may dal daien or un pason ko bhol jaien or jo pase app ke pass bache haien koshish karien ke mahina uss hi may nikal jai

or agar 1 se ziyadah credit card he tu sare card khatam kar diaen or 1 hi credit car rakhien,ku ke jab insan ke hath may credit card hota he tab bhi kharach karne ka dil chatta yeh soch kar ke chalo jab bill aii ga tab dekhi jai gi

iss liya credit card kam se kam istemal karien

may tu yeh hi tips de sakti hon ab dekhien or log kiya khte haien

paisay kharch karnay k liyeh hotay haiN

bachaanay k liyeh nahi........... zeyadah say zeyadah kharach karo...... ki policy say hi koi society ecconomically taraqqi karti hai........ dunya k "taraqqi yaaftah momalik" ki misaal dekh laiN... woh zeyadah say zeyadah kharch kartay haiN........ aur hum har waqt 99 k chakkar main bachanay k chakkar main rahtay haiN lol

currency (paisay) ki gardish jetni zeyadah fast hogi... mo'aashi taur par log otnay hi jald /zeyadah khush haal hoNgay... muslim aur non-muslim k "kharch" maiN sirf etna faraq hona chhaiyeh k non-muslim k haaN "najaiz" ka koi concept nahi hotaa....... jabkay muslim sirf "jaiz" madaat hi main kharch kar sakta hai...... lekin issay bhi jaiz madaat main "zeyadah say zeyadah kharch" karnay ki policy par amal karna chhaiyeh...

farz karaiN A, B, C, D, E afraad kissi jagah rahtay haiN A aur B apni product bechtay haiN... C aur D apni services bechtay haiN jabkay E k pass 100 rupees hai..... ab agar Mr E apna 100 rupees chahay to 2/3 roz tak issay kharch kiyeh beghair rah sakta hai...... lekin iss soorat main A,B,C,D, charoun ko 2/3 roz tak koi "income" nahi hogi... A.B ki product 2/3 roz main zaya bhi hosakti hai aur C aur D service nah denay par inki skill par bhi bad effect paRegaa... aur income nah honay say in charoun ki families bhi bori tarah motassir hongeeN...

lekin agar Mr. E 1st day hi 50 rs ki product A, B say aur 50 rs ki services C,D say hasil karkay kharch kardeta hai to..... A,B,C,D,  ki yaumia income 25 rs hogi... jin say woh apnay ghar ki deger zarooriyaat bhi poori karengay aur next day k liyeh product /service denay ko bhi tayyar hongay....... Mr. E ko bhi next day 100 rs earn karnmay ki "fikar" hogi....... jo kharch nah karnay ki soorat main nahi hogi....... earning ki fikar hogi to bandah earn kar lega kissi nah kisis tareeqay say........ fikar hi nahi hogi to kiyouN earn karegaa...

paisaa para para de-value bhi hojata hai...... lehaza saal bhar tak jama poonji ki "maliyat" nisf say bhi kam rah jati hai....... agar issay kharch karlia jata... product khareed li jati yaa service lay li jati to oski 'raqam" devalue nah hoti...

zeyadah say zeyadah kharch karo... bachat k chakkar main nah paRo bhai... kanjoos aur bakheel hi "bachat" k chakkar maiN rahtay hain... shaah.kharchi, "shaah" hi kartay haiN.... "faqeer" bankar paisay jamaa karna koi "aqalmandi" nahi......

aaj ko acha guzaaro... aanay wala "kal" kabhi nahi aataa... jab bhi aataa hai "aaj" hi aataa hai....... lehaza hamesha "aaj" hi ki fikar karo k earn /kharch karkay "aaj ka din" acha guzaar lo

myrizvi

saving ka koch Muqsud hota hay or diffrent logo ka goll allag allag hota hay saving 

1.  kissi nay Shadi kurni hoti osky leey mony ki zurorat hoti
2. kisi lurki nay apny Jahayazz kay leye saving kurni hoti
3. koi parants apni buchiyoon kay leye saving kurna chaty
4. koch log apy moshkil wakat kay leye koch save kurna cha-huty
5. koch log apna ghur zumeen bunaany kay leye saving kurna cahty
6. koch log apny bucho ki proper edcuation admission kay leye saving kurna chaty
7. koch log apna loan khutam kurny kay leye koch saving kurna cahty
8. koi apny rozghaar apny business kay leye saving kurna cah-hata
9. koch log apny bucho ko bahar rozghaar kay leye bhejnaa cahty or saving kur k koch juma ponchi aghuti kurna cahty 
10. or choty choty golls hoty logo kay ghur ki koi cheeez lani , etc osky leye, be saving ki jati kay koch pessy aghuty ho jayin.
11. esi tura bot say awaamil hen jin kay leye saving ko apnayaa jata hay or yeh koi gonaah ni 

myrizvi bhai

i agree ke awam jitna kharach kare gi utna economy achi hogi

lakin app ne sahi kaha ke bare bare country may ase hi hota he,log kharach karte haien iss liya unki economic situation achi he

lain wo bare bare country ki batien haien jahan awam ke pass itna pesa hota bhi he ke wo afford kar sakien,or govenment se bhi unhe kafi benefit milte haien or tu or sal ke akhir may tex return bhi ata he jo ke log mostly kharach hi kar dete haien

lakin Pak may awam ke pass ata nahi balke jata hi he,ab agar wo bechare bachat na kare tu kiya kare

or wase bhi bure waqt ke liya i think thori bhout saving honi bhi chyea,ku ke bura waqt kabhi kah kar nahi ata

one thing

i agree with myrizvi bhai

ke saving karne se koi ameer nahi hojata

lakin app ne jo save kiya he usse jald se jald kahi invest kar dena chyea take app ko profit aii

saving

ji bohot achy comment hein

mein ye kehna chahoon ga k waqie hamary country mein aisy bohot sy social event hein jin k liay insan saving krty krty iss dunia sy rukhst ho jata hai laikn iss ka meaning hargiz nahi k saving nahi krni chaye zaroor krni chaye,

uss k laiy hr insan k paas ddifferent method hein koi apni payment sy comitte k zariay saving krta hai,

koi bank mein kuch raqm rakh leta hai jis sy uss ko profit ya current acct mein rakh sakta hai

aur agr aap us koi property le lein jesy koi gold ki cheez iss tarah jb aap ko pasy chaye hon aap ko wapis mil skty hein,

agr paisy ziada hon tu koi plot bhi lia ja skta hai jis sy future mein aap apna ghr apni betion ki shadi kr skty hei

iss k ilawa aap prize bond, insurnace, beema policy wagera sy bhi help ly skty hein

aur bhi different method hon gay bt ye ziada used hoty hein aur in mein aap ki raqm circle mein bhi rehti hai iss liay aap k liay aur country donon k liay useful hein.

money

how to save 'money'

Qasim /saim,

how to save 'money' k jawaab maiN meraa yeh kahnaa thaa k 'money' ko save nahi karna chhaiyeh balkay issay "kharch" karna chhaiyeh... yeh nahi kahaa k "zaya" karnaa chhaiyeh yaa "oRa dena" chhaiyeh yaa "khaa pee kar hazam" kar dena chhaiyeh.....

'money' say amooman 'currency notes' hi moraad liyeh jatay haiN, khaah woh 'local currency notes' houN yaa 'internation currency'........ iss money ko log 'save' karkay yaa to apnay apnay gharouN maiN rakhtay haiN... jahaaN say coR dakoo looT kar lay jatay hain :) ya local banks k accounts maiN rakhay jatay haiN... jahaan agar foregn currency accounts houN to hakoomat sieze bhi karleti hai.... internation khufia accounts maiN houn to account holders k martay hi woh raqam hawaa hojati hai....

 "zeyadah say zeyadah kharch karnay" say moraad yeh bhi nahi hai k aik month ki income 10 days maiN khaa pee kar ora dee jaa.ay aur baqyah 20 days faqah kia jaa.ay........ balkay iska matlab yeh hai k apni rozmarrah ki zarooriyaat say zaayad raqam (in terms of currency) ko ghar /bank main "save" rakhnay ki bajaa.ay oss say aisee "product" khareed li jaa.ay jo currency ki tarah de-vale nah ho, chori nah ho, 'consumeable' nah ho balkay woh apkay mustaqbil k baRay baRay projects k kaam aa.ay... on projects, jinka zikr Dr qasim nay 1-11 kilambi list maiN pesh ki hai.

agar ap apni bachi ki shadi k liyeh next 15/20 years k liyeh saving karna chhatay hain to oskay naam say koi plot lay laiN, apartment lay lain... yakmush nahi lay saktay to installment par lay laiN... thora thora karkay gold zewraat lay laiN... yehi kaam apnay kidz ki alaa taleem ki gharz say bhi karsaktay hain.... ab to islamic-insurance bhi market main dastyaab hai...... inhi maqaasid k liyeh insurance karwa laiN....... issi tarah k zeyadah say zeyadah long term projects maiN zeyadah say zeyadah kharch karaiN.... "kharch" 2 tarah k hotay hain aik consumable aur doosra non-consumable....... consumable kharch main khana peena, kapRay lattay, sair tafreeh shamil hai...... jabkay non-consumeable kharchay main property purchasing, gold /shares purchasing, insurance policy purchasing, yaa aisee product ki purchasing jo use bhi ki jasakay aur jiski re-sale market bhi monaasib ho.......

agar smart tareeqay say zeyadah say zeyadah kharch kia jaa.ay to aur apki family zeyadah say zeyadah 'grow' karegi...... aj jo ameer momaalik haiN woh hamesha say ameer nahi thay....... onhouN nay issi zeyadah say zeyadah kharch karnay k basic concept ko apnaa kar khud ko aur apnay mulk ko taraqqi dee hai..... aur hum kam say kam kharch karkay...zeyadah say zeyadah paisah joR joR kar ameer say ghareeb tar hogayee hain... g haaN hamaaraa hi mulk (united india) kabhi sonay ki chiRyaa kahlaa taa thaa.... aur aj kay taraqqi yaftah momaalik k log rozgaar /karobaar k liyeh united india ko jannatay arzi samjha kartay thay jaisay aj hum euorope /usa ko samajhtay haiN