Newly Married Couples Ke Liye Budget Kaise Banaye (2025)
Arre bhai, naya-naya shaadi hua hai, dil toh garden-garden hai, lekin jab baat bank account ki aati hai, thodi si tension ho jati hai, na? Newly married couples ke liye monthly budget banana ek game-changer hai. 2025 mein, jab inflation aur prices ekdum sky-high ho rahe hain (RBI ke hisaab se 4-5% inflation expected hai), ek solid budget banane se na sirf paiso ki tension khatam hoti hai, balki future ke sapne—like ghar, gaadi ya ek mast honeymoon—bhi sach ho sakte hain.
Mere 10 saal ke financial planning ke experience mein, maine dekha hai ki couples jo budgeting seriously lete hain, unki life ekdum smooth ho jati hai. Jab main aur meri wife ne shuru kiya tha, humne bhi pehle budget skip kiya, aur phir ek surprise electricity bill ne humein jhatka diya! Is article mein, main tumhe ek dost ki tarah guide karunga, taki tum apna monthly budget for newly married couples ekdum perfect bana sako. Chalo, shuru karte hain!
1. Apne Finances Ko Samjho: Ekdum Clear Picture Banaye
Sabse pehle, apne finances ka pura jhol samajhna zaroori hai. Ab tum dono ek team ho, toh solo planning bandh karo! Ek cup chai ya coffee ke saath baitho aur ek “money date” plan karo. List banao:
- Income: Dono ki salary, koi freelance kaam, ya family se thodi help (shadi ke gifts bhi count karo, bhai!).
- Fixed Expenses: Kiraya (rent), EMIs (bike ya home loan), utilities (bijli, paani, internet).
- Variable Expenses: Grocery, dining out, ya wo Amazon sale mein impulse buying.
2025 mein, urban India mein rent aur utilities aam taur pe 30-40% income kha jate hain (National Sample Survey Office ke stats ke hisaab se). Ek real example: Mumbai mein ek couple ka rent ₹25,000 aur groceries ₹10,000 monthly hai. Agar dono milke ₹80,000 kamaate hain, toh yeh already 44% budget hai!
Pro Tip: Debts ke baare mein khulke baat karo. Agar kisi ke credit card ka bill ya education loan hai, toh chupao mat. Meri ek client couple ne yeh mistake kiya aur baad mein bohot jhagda hua. Use apps like Money Manager ya Google Sheets to track spending for 30 days. Tumhe pata chalega ki chhote-chhote kharche, jaise daily ₹50 ka coffee, mahine ke end mein ₹1,500 ka jhatka de sakta hai.
2. Expenses Ko Track Karo: Har Rupaye Ka Hisaab Rakho
Ab jab basic idea ho gaya, toh time hai expenses ko microscope ke neeche dekhne ka. Socho tum detective ho, aur tumhara mission hai har kharche ka pata lagana. India mein, jahan Diwali, weddings ya festivals mein kharcha ekdum badh jata hai, tracking ekdum zaroori hai.
Kaise karo?
- Expenses ko do categories mein divide karo: Needs (zarurat) jaise khana, transport, health insurance, aur Wants (shauk) jaise Netflix ya weekend trips.
- Har purchase ka record rakho. Ek simple notebook ya apps like Walnut ya Cred ka transaction history use karo.
- Ek rule banao: ₹500 se zyada ka koi kharcha bina discuss kiye nahi.
Real Scenario: Ek Delhi ke couple ne realize kiya ki unka auto aur metro ka kharcha ₹4,000 monthly tha. Jab unhone carpooling shuru ki, ₹1,500 bacha liye har mahine. Financial Literacy and Education Commission ke ek study ke mutabik, jo couples regularly track karte hain, unka financial stress 20% kam hota hai. 2025 mein, jab UPI se har transaction track karna itna easy hai, iska fayda uthao!
3. Financial Goals Set Karo: Apne Sapno Ko Plan Mein Laao
Budget bina goals ke bas ek number ka list hai. Newly married couples ke liye, yeh wo stage hai jahan tum apne sapne aur paiso ko connect karte ho. Short-term goals se shuru karo, jaise 3-6 months ka emergency fund banane ka. Long-term? Ghar ka down payment, ek car, ya retirement ke liye SIP start karna.
SMART Goals Banao (Specific, Measurable, Achievable, Relevant, Time-bound):
- Example: “Har mahine ₹10,000 bacha ke 2026 tak ₹2,40,000 ka emergency fund banayenge.”
- Ya phir: “2027 tak honeymoon ke liye ₹1,50,000 save karenge.”
India mein, 2025 ke 4-5% inflation ke hisaab se, 20% income saving ke liye target karo. Ek couple jo maine guide kiya, unhone apni movie nights kam karke aur ghar pe khana banake ₹8,000 monthly bacha liya. Budgeting tips for new couples: Har 3 mahine mein goals review karo—life change hoti hai, jaise job switch ya baby planning.
4. Apna Monthly Budget Plan Banaye
Chalo, ab asli kaam shuru karte hain—budget banana! Sabse popular hai 50/30/20 rule:
- 50% needs pe (rent, groceries, bills)
- 30% wants pe (outing, shopping)
- 20% savings ya debt repayment pe
Lekin yeh rule flexible hai. Agar low-income household ho, toh needs 60% bhi le sakta hai.
Step-by-Step Plan:
- Net Income Calculate Karo: Maan lo tum dono milke ₹1,00,000 kamaate ho (taxes ke baad).
- Fixed Costs Likho: Rent (₹20,000), utilities (₹5,000), EMIs (₹10,000).
- Variable Costs Add Karo: Grocery (₹8,000), transport (₹4,000).
- Savings aur Fun ke liye: ₹20,000 savings mein, ₹10,000 outings ke liye.
Yeh dekho ek sample budget table:
| Category | Amount (₹) | Percentage |
|---|---|---|
| Needs (Rent, Food, Bills) | 45,000 | 45% |
| Wants (Dining, Fun) | 25,000 | 25% |
| Savings/Debt | 20,000 | 20% |
| Miscellaneous | 10,000 | 10% |
| Total | 1,00,000 | 100% |
Yeh table ₹1,00,000 income ke liye hai; apne hisaab se adjust karo. 2025 mein fuel prices badh rahe hain, toh thodi extra budgeting karo, jaise electric scooter ke liye. Kaise plan karein monthly expenses for married life? Payday pe savings automatically transfer karo—temptation khatam! Ek Bengaluru ke couple ne yeh trick use karke 6 mahine mein ₹50,000 ka emergency fund banaya.
5. Life Ke Curveballs Ke Liye Ready Raho
Life ekdum predictable thodi hoti hai, especially jab newly married ho. Job loss, medical emergencies, ya phir ek baby ka good news—yeh sab budget ko hila sakta hai. Isliye flexibility zaroori hai.
- Har mahine budget review karo—calendar reminder set kar do.
- Agar expenses income se zyada ho, toh non-essentials pehle cut karo (jaise Netflix ya bahar ka khana).
- Ek buffer rakho: ₹10,000-20,000 liquid fund mein.
Real Scenario: Ek Pune ke couple ne jab medical emergency ka samna kiya, unka health insurance aur ₹30,000 ka emergency fund ne unhe bacha liya. NITI Aayog ke reports ke mutabik, healthcare costs 2025 mein badh rahe hain, toh insurance ko prioritize karo.
6. Teamwork Makes the Dream Work
Budgeting is a team sport, bhai! Newly married couples ke liye, regular communication zaroori hai. Har mahine ek baar baitho, expenses discuss karo, aur goals update karo. Ek couple jo maine guide kiya, unhone har Sunday ko 15-minute “budget baatein” session rakha—aur yeh unki routine ka fun part ban gaya!
Tips:
- Ek joint account rakho for shared expenses, lekin personal accounts bhi rakho for independence.
- Har ek ka ek small “fun budget” rakho—jaise ₹2,000 monthly apne hobbies ke liye.
- Compromise karo: Agar ek ko travel pasand hai aur doosre ko gadgets, toh dono ke liye thodi jagah rakho.
Conclusion
Toh dosto, yeh tha pura guide on newly married couples ke liye monthly budget kaise banaye. Ek solid budget na sirf tumhari financial stress ko kam karta hai, balki tumhe apne sapno ke paas le jata hai—chaahe wo ek naya ghar ho ya ek romantic getaway. Shuru karo chhote steps se: Apne income-expenses track karo, SMART goals set karo, aur ek flexible budget banao. Aur haan, ek team ki tarah kaam karo—yeh financial journey bhi utna hi mazedar ho sakta hai jitna tumhara honeymoon! Aaj hi start karo aur apne budget ko rock karo!
Call-to-Action: Aaj raat hi apne partner ke saath baitho aur apna pehla budget draft karo. Ek chai ke saath yeh kaam aur mazedar lagega!
FAQs
1. Newly married couples ke liye kitna savings karni chahiye?
20% of income is a good start, but agar low-income ho, toh 10% se bhi shuru karo. Emergency fund (3-6 months ke expenses) pe focus karo.
2. Kaise pata karein ki humara budget realistic hai?
Har mahine review karo. Agar savings ya expenses adjust karne pad rahe hain, toh tweak karo aur non-essentials cut karo.
3. Joint account ya separate accounts—kya better hai?
Dono ka mix rakho. Joint account shared expenses ke liye, aur separate accounts personal freedom ke liye.
4. Emergency fund kitna zaroori hai?
Bohot zaroori! 2025 mein unexpected kharche (jaise medical ya job loss) ke liye 3-6 months ka fund rakho.
5. Budgeting apps kaunsa use karna chahiye?
Money Manager EX, Walnut, ya Cred ke transaction tracking features try karo. Simple aur free hain.
Disclaimer
Yeh article sirf informational purpose ke liye hai aur professional financial advice nahi hai. Apne specific situation ke liye ek certified financial planner se consult karo.
