AISkillWalaZyada tar log nahi jaante ki unka paisa mahine mein kahan jaata hai. "Salary aayi aur 20 tarikh tak khatam" ka jawab budget se pehle hisaab mein hai. 30 din har kharch likho, chahe ₹10 ki chai ho. Ye course koi investment salah nahi deta; sirf budget, bachat aur suraksha ki neev.
1Kaise likhein
- Notebook / phone notes: har kharch usi waqt
- Google Sheet: Date | Kya | Category | Rakam | Kaise (UPI/cash/card)
- UPI history: har hafte UPI app ka history dekh ke sheet mein
- Cash kharch sabse zyada bhoole jaate hain; unhe turant likho
Categories simple rakho: ghar/kiraya, khana, travel, phone/internet, EMI, bachche/family, shopping, bahar khana, entertainment, aur.
230 din baad
- Har category ka total
- Kul kamai vs kul kharch
- 3 sabse badi categories
- Kaunse kharche "pata hi nahi chala" (chhote chhote, roz)
Sirf dekhne se hi log aksar kuch kharche khud kam kar dete hain.
- Template sheet copy karo.
- Aaj se 30 din har kharch likho.
- Har Sunday 10 minute: UPI history se milaao.
3Kamai bhi likho
Salary, freelance, ghar se mila paisa, cashback: sab. Freelancers ke liye ye aur zaroori hai (tax aur planning dono ke liye).
Example: Maan lo: ₹2,800 ki chai-coffee
Maan lo Rohit ne 30 din likha. Bada kharcha kiraya tha, pata tha. Par chai, coffee, snacks aur food delivery milake ₹6,400 nikle, jinme se ₹2,800 sirf office ke bahar ki chai-coffee aur snacks. Usne band nahi kiya, bas aadha kiya, aur ₹1,400 mahina bachne laga.
Aam galtiyan
- Sirf bade kharche likhna.
- Cash bhool jaana.
- 10 din baad chhod dena.
Practice task
30 din ka kharch aur kamai record.
Jaldi se recap
- 30 din har kharch
- Simple categories
- Cash turant likho
- Har Sunday UPI milaan
- Kamai bhi likho
- Koi investment tip nahi
Most people do not know where their money goes each month. The answer to "salary came in and was gone by the 20th" lies in tracking, before budgeting. For 30 days, write down every expense, even a ₹10 tea. This course gives no investment advice; only the foundation of budgeting, saving and safety.
1How to record
- Notebook / phone notes: every expense, at the moment you spend
- Google Sheet: Date | What | Category | Amount | How (UPI/cash/card)
- UPI history: every week, look through your UPI app's history and add it to the sheet
- Cash spending is forgotten the most; write it down immediately
Keep categories simple: home/rent, food, travel, phone/internet, EMI, children/family, shopping, eating out, entertainment, other.
2After 30 days
- The total for each category
- Total income vs total spending
- The 3 biggest categories
- Which expenses you "never noticed" (small, daily ones)
Just seeing it often makes people cut some spending on their own.
- Copy the template sheet.
- Write down every expense for 30 days, starting today.
- Every Sunday, 10 minutes: match it with your UPI history.
3Record your income too
Salary, freelance, money from home, cashback: everything. For freelancers this matters even more (for both tax and planning).
Example: Say: ₹2,800 of tea and coffee
Say Rohit tracked for 30 days. His big expense was rent; he knew that. But tea, coffee, snacks and food delivery added up to ₹6,400, of which ₹2,800 was just tea, coffee and snacks outside the office. He did not stop; he just halved it, and started saving ₹1,400 a month.
Common mistakes
- Recording only big expenses.
- Forgetting cash.
- Giving up after 10 days.
Practice task
A 30-day record of spending and income.
Quick recap
- Every expense for 30 days
- Simple categories
- Write cash down at once
- Match UPI every Sunday
- Record income too
- No investment tips
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In the app this lesson also has a video lesson, a quiz, the AI tutor and your progress. Take the free 5-minute test to start.App mein is lesson ke saath video lesson, quiz, AI tutor aur tumhari progress bhi hai. Shuru karne ke liye 5 minute ka free test do.