Kya aapko lagta hai ki aap mehnat to kar rahe ho, par paisa kabhi save nahi ho pata?
Shayad aapke kuch habits hi aapki financial growth ko rok rahe hain.

Aaj hum baat karenge 5 aise aadaton ki jo aapke wealth ko barbaad karte hain — aur unhe kaise chhodein.

1. 💳 Impulse Buying / Credit Card Overuse

“Yeh chahiye, wo chahiye” — bina soche samjhe kharche karna.
Credit card ka istemal itna zyada kiya jata hai ki EMI ka bojh ho jata hai.

Fix: Har kharche pe socho, 24 ghante wait karo. Cash budget banao.

2. 🕒 No Budget or Financial Plan

Paise kaha ja rahe hain, pata nahi. Koi plan nahi.
Result — paisa khatam hone se pehle hi khatam ho jata hai.

Fix: 50-30-20 rule apnao: 50% essential, 30% wants, 20% savings/investments.

3. 📉 Ignoring Inflation and Investing

Saving account me paise rakhna achha lagta hai, par inflation ke wajah se value girti hai.
Invest nahi karte, paisa waste hota hai.

Fix: Mutual funds, SIP, PPF jese options me invest karo.

4. 🚬 Unhealthy Lifestyle Expenses

Jyada eating out, smoking, drinking, aur expensive hobbies aapke budget ko tod dete hain.

Fix: Apne lifestyle ko financially sustainable banao. Smart choices lo.

5. 💤 Procrastination

“Kal shuru karenge” ya “jab paisa zyada hoga tab invest karenge” sochna sabse bada dushman hai.

Fix: Aaj se hi chhote steps le kar start karo. Time aapka sabse bada asset hai.

🎯 Final Advice

Ye aadatein chhodo, discipline lao apne financial life mein.
Aaj jo chhote decisions loge, kal wahi bade results laayenge.