Savings: Pawisa khawl dan tha leh fing

 Pawisa khawl (Savings) hi sum tam tak neih vanga tih tur a ni lova, i pawisa neih tlemte kha uluk taka i enkawl thiam vanga lo awm zawk a ni. Pawisa khawl dan fing leh innghahna tlak deuh deuh i lo thlir ang e:

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1. 50/30/20 Rule (Inrenchem dan phung)

Pawisa khawl thiam ho hman dan lar ber a ni a. I thla khut hlawh (net income) kha hetiang hian then rawh:

• 50% - Mamawh (Needs): In luah man, tui leh current bill, ration, leh nitin mamawh rêng rêng.

• 30% - Duhzawng (Wants): Incheina thar, pawn lama chaw ei, thianho len khawm, leh entertainment lam.

• 20% - Khawl (Savings & Debt): He 20% hi chu hmu lo ang hmakin khawl emaw, i leiba rulh nan emaw hmang rawh.

2. Emergency Fund (Harsatna thut tana khawl)

Pawisa i khawl hmain "Emergency Fund" i neih hmasak a ngai. Tunlai khawvelah hna hloh thut emaw, hriselna vanga sum hman thut a thleng thei.

• I thla khat hman ral (expenses) let 3-6 vel khawl tum rawh.

• He pawisa hi chu i duh vang ni lovin, harsatna tak tak a thlen chauhva hman tur a ni.

3. "Pay Yourself First" (Mahni inpe hmasa rawh)

Mi tam takin thla tawpah pawisa hman bang khawl kan tum thin a, mahse a bang ngai lo tlangpui.

• A fing zawk chu: Hlawh i lak rual rualin i khawl tur (entirnan, Rs 2,000) kha i Savings Account-ah thawn nghal rawh. Hman bang ni lovin, a tir atanga i dah hran khan i khawl thei tak tak ang.

4. SIP (Systematic Investment Plan) hmang rawh

Bank-ah pawisa i dah reng chuan a pung (interest) a tlem em em a, thil man a san (inflation) hian i pawisa hlutna a hniam tial tial thin.

• SIP: Thla tin tlem te tein (Rs 500 atanga tan theih) Mutual Funds-ah i dah thei a. Hun rei deuh (kum 5-10) hnuah chuan bank pung aiin a pung a sang zawk hle.

5. "Impulse Buying" Pehhel rawh

Thil thar mawi deuh kan hmuh hian kan lei nghal rawk thin.

• 24-Hour Rule: Thil lei i duh thut a nih chuan ni khat (darkar 24) nghak hmasa rawh. A tukah khan i la mamawh tak tak a nih chuan i lei dawn nia. Hei hian sum tam tak a khawl tir ang che.

6. Digital Gold & Recurring Deposit (RD)

• RD: Bank-ah thla tin pawisa tlem te te dah luh ziahna a ni a, pawisa hman heh tan chuan a tha em em.

• Digital Gold: Pawisa tlem te (Rs 100) pawhin rangkachak i lei ve reng thei a, hei hi sum khawl dan him tak a ni.

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Pawisa khawl hi "Nundan Phung" (Habit) a ni a. I sum lakluh a tlem a nih pawhin thla tin Rs 500 tal khawl i tan chuan, nakinah harsatna i tawh hunah i innghahna liau liau a lo ni ang.