ಕಡಿಮೆ ಖರ್ಚು, ಹೆಚ್ಚು ಉಳಿತಾಯ ಮಾಡುವುದು ಹೇಗೆ?

21 Nov 2025 Pic credit - Pintrest Author: Akshay Pallamjalu

ಹಣವನ್ನು ಬುದ್ಧಿವಂತಿಕೆಯಿಂದ ಖರ್ಚು ಮಾಡುವುದು ಬಹಳ ಮುಖ್ಯ.

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ಹಣವನ್ನು ಯೋಚಿಸಿ ವ್ಯಯಿಸಬೇಕು, ಸರಿಯಾಗಿ ನಿರ್ವಹಿಸಬೇಕು.

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ಅಜಾಗರೂಕತೆಯಿಂದ ಖರ್ಚು ಮಾಡುವ ಅಭ್ಯಾಸ ಭವಿಷ್ಯದಲ್ಲಿ ಖಂಡಿತವಾಗಿಯೂ ಆರ್ಥಿಕ ಸಂಕಷ್ಟವನ್ನು ಉಂಟುಮಾಡಬಹುದು

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ಅಗತ್ಯ ವಸ್ತುಗಳಿಗೆ ಮಾತ್ರ ಖರ್ಚು ಮಾಡಿ, ನಿಮ್ಮ ಬಯಕೆಗಳಿಗೆ ಹೆಚ್ಚು ವ್ಯಯ ಮಾಡಬೇಡಿ.

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ನಿಮ್ಮ ಮಾಸಿಕ ಆದಾಯ ಮತ್ತು ಖರ್ಚುಗಳನ್ನು ಬರೆದು ವರ್ಗೀಕರಿಸುವುದು ಸಣ್ಣ ಕೆಲಸ ಆದರೆ ಇದು ದೊಡ್ಡ ಫಲಿತಾಂಶವನ್ನು ನೀಡುತ್ತದೆ.

[{"selector":"#anim-e8dde442-2a86-4cae-8785-6356ace00af3","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed9b5be8-9eb2-4dc4-b0cb-d94bc50685bd","keyframes":{"transform":["translate3d(0px, 75.04749%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e2d28464-ec5d-446a-90ef-3e46922f34a5","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a7abaca7-e702-4892-967d-bb6832f645b2","keyframes":{"transform":["translate3d(0px, 93.23794%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3917a256-69cb-4fdb-9e97-be66ae8a2bcb","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a8747d5e-81bb-4875-8fdd-c0ec6fabbee2","keyframes":{"transform":["translate3d(0px, 139.26845%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6b439c6b-9365-48c3-8ba9-a25542f5ca45","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e81c7f47-1ad2-4811-af2f-d07e1cb11990","keyframes":{"transform":["translate3d(0px, 415.58630%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Pic credit - Pintrest

ಆತುರದಿಂದ ಶಾಪಿಂಗ್‌ ಮಾಡುತ್ತಾರೆ. ಕೈಗೆ ಸಿಕ್ಕ ವಸ್ತುಗಳನ್ನೆಲ್ಲಾ ಖರೀದಿಸುತ್ತಾರೆ. ಆದರೆ ಯಾವತ್ತಿಗೂ ಹೀಗೆ ಮಾಡಬೇಡಿ

[{"selector":"#anim-e9b31121-5fe0-4a94-b72e-765d0698b4ae","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d5b18865-ac91-49b4-add5-2bc6c5dbb191","keyframes":{"transform":["translate3d(0px, 75.04749%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-32761407-b532-43d4-a5b1-05d4c031e216","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3d3d731a-c882-4d8d-957d-e43fa1ed5e4c","keyframes":{"transform":["translate3d(0px, 93.23794%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ba11f678-3171-4b17-85e4-74c209e4c873","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e0c50c2e-7561-4d29-991a-6b705ef719aa","keyframes":{"transform":["translate3d(0px, 168.58809%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f6814a51-3428-44a7-ba19-d29437117061","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0fb86bb5-a646-4f51-8512-c9e13db9f025","keyframes":{"transform":["translate3d(0px, 457.25287%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Pic credit - Pintrest

ಹಣ ವ್ಯರ್ಥವಾಗುವುದನ್ನು ತಪ್ಪಿಸಲು ಉತ್ತಮ ಮಾರ್ಗವೆಂದರೆ ಉಳಿತಾಯ. ನೀವು ಪ್ರತಿ ತಿಂಗಳು ನಿಮ್ಮ ಆದಾಯದಲ್ಲಿ ಕನಿಷ್ಠ 10 ರಿಂದ 20 ಶೇಕಡಾದಷ್ಟು ಹಣ ಉಳಿತಾಯ ಮಾಡಬೇಕು.

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ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಬಿಲ್‌ಗಳನ್ನು ಸಮಯಕ್ಕೆ ಸರಿಯಾಗಿ ಪಾವತಿಸಬೇಕು. ಇದು ಹಣ ವ್ಯರ್ಥವಾಗುವುದನ್ನು ತಡೆಯಬಹುದು.

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[{"selector":"#anim-5fdb2227-3c2c-460d-bf43-02661abf0048","keyframes":{"transform":["translate3d(141.26985%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-55ba7c56-cd95-42fe-b963-c5a4af08a63a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1770ba14-2081-40c9-9117-4d72d107bb38","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-e2427062-4b7d-446e-b5bf-5effb5c9e3c1","keyframes":{"transform":["translate3d(135.87784%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-42169ab3-37b2-459c-9def-2ea9085c74b1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5fde89ad-5f40-45d3-858c-0e4ebad4b113","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] ಶುದ್ಧ ಗಾಳಿ ಬೇಕಂದ್ರೆ ಮನೆಯಲ್ಲಿ ಈ ಗಿಡಗಳನ್ನು ನೆಡಿ ಜೀವನದಲ್ಲಿ ಖುಷಿ ಬೇಕಂದ್ರೆ ಈ ಟಿಪ್ಸ್‌ ಫಾಲೋ ಮಾಡಿ ಭಾರತದಲ್ಲಿವ ರೊಮ್ಯಾಂಕ್‌ ಹನಿಮೂನ್‌ ತಾಣಗಳಿವು

ಕಡಿಮೆ ಖರ್ಚು, ಹೆಚ್ಚು ಉಳಿತಾಯ ಮಾಡುವುದು ಹೇಗೆ?

ಹಣವನ್ನು ಬುದ್ಧಿವಂತಿಕೆಯಿಂದ ಖರ್ಚು ಮಾಡುವುದು ಬಹಳ ಮುಖ್ಯ.

ಬುದ್ಧಿವಂತಿಕೆಯಿಂದ ಖರ್ಚು

ಹಣವನ್ನು ಯೋಚಿಸಿ ವ್ಯಯಿಸಬೇಕು, ಸರಿಯಾಗಿ ನಿರ್ವಹಿಸಬೇಕು.

ಹಣವನ್ನು ಸರಿಯಾಗಿ ನಿರ್ವಹಿಸಿ

ಅಜಾಗರೂಕತೆಯಿಂದ ಖರ್ಚು ಮಾಡುವ ಅಭ್ಯಾಸ ಭವಿಷ್ಯದಲ್ಲಿ ಖಂಡಿತವಾಗಿಯೂ ಆರ್ಥಿಕ ಸಂಕಷ್ಟವನ್ನು ಉಂಟುಮಾಡಬಹುದು

ಆರ್ಥಿಕ ಸಂಕಷ್ಟ

ಅಗತ್ಯ ವಸ್ತುಗಳಿಗೆ ಮಾತ್ರ ಖರ್ಚು ಮಾಡಿ, ನಿಮ್ಮ ಬಯಕೆಗಳಿಗೆ ಹೆಚ್ಚು ವ್ಯಯ ಮಾಡಬೇಡಿ.

ಅಗತ್ಯಕ್ಕಷ್ಟೇ ಖರ್ಚು ಮಾಡಿ

ನಿಮ್ಮ ಮಾಸಿಕ ಆದಾಯ ಮತ್ತು ಖರ್ಚುಗಳನ್ನು ಬರೆದು ವರ್ಗೀಕರಿಸುವುದು ಸಣ್ಣ ಕೆಲಸ ಆದರೆ ಇದು ದೊಡ್ಡ ಫಲಿತಾಂಶವನ್ನು ನೀಡುತ್ತದೆ.

ಬಜೆಟ್ ರೂಪಿಸಿ

ಆತುರದಿಂದ ಶಾಪಿಂಗ್‌ ಮಾಡುತ್ತಾರೆ. ಕೈಗೆ ಸಿಕ್ಕ ವಸ್ತುಗಳನ್ನೆಲ್ಲಾ ಖರೀದಿಸುತ್ತಾರೆ. ಆದರೆ ಯಾವತ್ತಿಗೂ ಹೀಗೆ ಮಾಡಬೇಡಿ

ಆತುರದಿಂದ ಶಾಪಿಂಗ್ ಮಾಡಬೇಡಿ

ಉಳಿತಾಯ ಮಾಡುವ ಅಭ್ಯಾಸ

ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್ ಬಿಲ್‌ಗಳನ್ನು ಸಮಯಕ್ಕೆ ಸರಿಯಾಗಿ ಪಾವತಿಸಬೇಕು. ಇದು ಹಣ ವ್ಯರ್ಥವಾಗುವುದನ್ನು ತಡೆಯಬಹುದು.

ಕ್ರೆಡಿಟ್ ಕಾರ್ಡ್‌ ಎಚ್ಚರಿಕೆಯಿಂದ ಬಳಸಿ