Budgeting & Investing Tips for YOUR MONEY! | 30,000 INR Salary | Ankur Warikoo Hindi
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- čas přidán 5. 09. 2024
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Can you live comfortably on a 30,000 INR salary? In this video, I provide a comprehensive guide using a detailed Excel workbook designed to manage, track, and plan financial activities based on a monthly income of 30,000 INR. We'll dive into each tab, analyzing income allocation, essential and non-essential expenses, and investment planning.
This video is a great tool for those who are just starting their financial journey or anyone seeking to manage their money more efficiently. Remember, financial planning is not about earning more, it's about managing better. Find out how you can master the art of budgeting, saving, and investing wisely.
#PersonalFinance #Budgeting #warikoo
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@Warikoo, HI, not found link to download this excel workbook. Ankur ji, plz share it. Also note that, I am following file (Modified version) of May-2021 video's about 50-30-20 & budgeting file. it helps me lot. the point where I was stuck is mentioned in this file. so plz share this file too.
Regards
Prashant Dhumal.
New Mumbai.
Hello sir i want your number i am from Kerala🙂
Please make videos again for SIP and mutual fund ..where to invest
@Warikoo Hi Sir, We do not have access to edit it? Kindly grant access.
Hi Ankur Ji,
I have heard many of your videos, I really like it very much.
It would be great if you can make a video for Housewives who wants to learn to Earn and to Invest. The one who can not go out to earn but looking for something to grow. Your efforts will be appreciated. Thank you!
The most important point here is that your salary should increase by 10% every year
government job me kaha milta 10% increment
@@alexspotboiler7537 Government Job me saal me 2 bar DA badhta hai, minimum 3% badhta v hai ek baar me to 2 baar me 6% badhta hai or salary ka increment 3% har saal july me badhta hai to is hisab se har saal minimum 9% salary badh raha hai har govt dept me
Kyo bhai saal mein 2 baar 4_4 % DA increase or saal mein 1 baar 3% ka increment too milta h@@alexspotboiler7537
@@alexspotboiler7537central govt jobs mei 11% increment mil jata
3% annual increment plus DA 4% twice in an year
One major scenario you miss: supporting the family, where the major chunk of the salary goes!
It works only if your partner earns too.
Agree 💯
But most parents have retirement savings like ppf, vpf, gratuity, nps etc.
It is covered under needs.
He mentioned needs
I am elder than you. Turned 45 this year. And I love watching and learning from you. Good going Ankur. You are creating a new smarter generation 👍😊
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this, are you a pro investor?
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $508k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choi
that's impressive!, I could really use the expertise of this advisors , my portfolio has been down bad....who’s your financial advisor or coach, do you mind hooking me up?
The adviser I'm in touch with is *CAROLINA MELINA PHERSON* she works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me she strategy works hence my result. She provides entry and exit point for the securities I focus on.
Thanks, I just googled more about her, I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
As my assumption...hum logo ne apne expenses kuch jyda he badha liye hai....like Car,mobile phones,bahar ka khana,party, super store me jakar bematlab k items purchase karna etc.
Starting k 10 year he her youth k liye important hote for future investment 😊
Right
Being a monk is easier than maintaining this level of financial discipline 😊
🤣
So true😂
Me adapted that only😂😂. Very happy
I already applied this in my life. it is not so hard brother
My excel sheet
Salary = 30000 ,
Wants :
Room rent 6000
Transportation 3000
Daru ka kharcha = 8000 ,chakhna = 2000 , sutta =1000 ,
Needs
More daru and sutta 5000 rs
Investment
5k
Thank you warikoo bhai for the tips
😂😂😂
More daaru 😂
Bhai meri taraf se 5k ka or pee lena
@@troller3811 hainn baii
This video is good for motivation but realistically in India 90%of the jobs doesnt give even 5 percent increment. Years and years passes and the employee stays at the same salary and inflation eats his financial life and later his generation also gets trapped in such job markets in order to support their already struggling family.
Your term stays true warikoo sir, LIFE IS NOT EXCEL SHEET
Ok
Continue to invest in your skills & find opportunities to grow
Then your skill level is below par. Try upskilling yourself. Be productive.............
Sadly this is true and , as of 2022, 90% of the country do not earn even Rs 25,000 per month so let alone getting a hike most of them are barely surviving. One thing they can do is save as much and possible which they do, hopefully someone will guide them towards investment.
Very true...not even 3 percent increment per yr
Your love for excel sheets force me to watch all your videos Bhaiya....Initially I thought that life can not run from sheets and to very extent its true but Sheets can definately help to run ur life way smoother.
Thamk You for amazing videos.
This doesn't apply to everyone....not every job gives increment....like if you are working at a restaurant/cafe/assistant etc...... like chota mota job jaha 30k se zada salary nhi milta
Vahi naa
Bpo main team lead
Manager etc salalry nai bahdthi
Thank you ankur for shared this kind of financial planning.....once again thanks for giving this knowledge free of cost ❤
Average increment in Consulting companies like TCS and Infosys is 6% . They have around 7 lakhs employees (combined) . Average increment in Government sector is 3%. So my question is how can you assume 10% will be minimum increment 😅. Just curious aise 10% easily mil jata hai kya ?
Bro government sector me 3% increment hota hi h saath me DA bhi badhta hai 6-7% yearly.
Thank you Ankur bhai! Financial discipline is very important for a secured future, especially after retirement.
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment*
Very impressive!!! I'm going through an early stage of divorce right now and it saddens me. Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated. It's hard to find someone that's reliable. When I see how what you've achieved by investing, I could really use your investment advisor., if you don't mind sharing his information.
No problem at all! If you're seeking to earn substantial profits from your investment, I would suggest determining your investment horizon and implementing a long-term plan. I worked with Claire Martha Magalhaes to create a long-term investment strategy, and she assisted me in managing my investments while I focused on my job without any concerns.*
Thank you for your advice. It's challenging to find a reliable investment advisor, and I appreciate your input. Seeing the successes you've achieved through investing, I would love to have access to your investment advisor's information if you wouldn't mind sharing it.
I work with *CLAIRE MARTHA MAGALHAES* ,who is based in the United States. If you would like more information about her, you can conduct a search online.
Scam spotted ❎✖️❌
Boss, at 16 akh salary onwards 30% tax which comes 20-25k per month so at 44L salary, tax itself will be 10L
Very imotional heart touching
"Mai nahi rahunga ""😢😢
Excel sheet to badiya hai per kahi medical expense ko bhi count Karo...insurance kaam zaroor aaega per budhaape me premium bohot zada hoga or ek hospitalization saari Excel ki budgeting bigaad dega
6:23 उस समय का अंकुर 😂😂😂😂. भाई ये मस्त था। पर आप जो सिखा रहे हो और compounding का जो जादु है उससे मै तबतक 10 लोगों अंकुर बना चुका होगा और मै वाॅरेन बन चुका होगा😍 2 दिन पहले मेरा बड्डे था । 100+ जिंदगी ❤
i tried with 20k i was still able to do everything but the number 1 thing that could change everything was the first 10 year salary incriment section if it stayed at 16% or more, i would have crores in my acc. fd6%, mf 12%, later year increments 3% work for age 55 only still same result you can change all but change the 1st thing to =+16 you will have money. also i started my age as 30 not 25
You missed one thing sir. That is medical emergency... as it is always said that 90% indian families are Medical emergency away from going broke...
So that variable should also be included
I have adopted a lot of your teaching from 2020 when it was my first time watching your video. Now I have life insurance, health insurance, and liquid funds in FDs, some investment too. Iam also not living in the pay check to pay check cycle. Thanks for all the strategies you suggest.
Thank you @Ankur for shared this such kind of financial planning..!! Big thank you for giving this knowledge free of cast in now a days...🙏👍👏
I believe Wariko is getting a good view on such a video. We can expect the next video on how to live luxurious life in 29.000 then 28.000 after 20 episodes 10.000😂😂😂
How’s this different from your last video , how to live on 30000 salary???????
Hello your videos have motivated me a lot to take my finances in control and learn. The finances are slightly different for women. The lack of financial knowledge makes it more difficult. Kindly make a a video or videos on investing for women and how to balance the portfolio. Looking forward.
Congratulations sir for 3Million Subscribers❤. You deserve much more🌟🌟🌟🌟🌟
This is not a budgeting or expense sheet. It’s a Aukat mein reh sheet 😂😂😂
Aaj to मनोकामना पूरा ही हो गया sr
Make tax 15% to 30% and also add inflation in taxing system 😂 whole numbers will negate. Govt can apply only one option new tag regime in future.
My current age is 17 (11th class) Thanks Ankur sir now I don't have to study hard to earn more money. Dude, It's also a good life. I really appreciate it if you make a video on a retirement plan for a 17-year-old.
Parhai karke primary income barha. Investment baad mei sochna.
Are you having middle age crisis which is making you think 17 years old should start retirement plan to retire at 20 . All the best bro😊 .no hate 👌.
😂
@@pushkaraj_4 Great idea 👌👌
@@bhargavraj9897 Wahi to nahi ho rahi bhaiyaa 😭😭
Hello,
I was checking the provided Excel sheet and I found that the formula in the investment tab L column is incorrect as per me.
The current formula is =IF(A2
Ankur excellent content & brillantly showcased by excel. I was searching for this kind of guidance from long. Thanks to CZcams AI driven recommendations😄. This approach will give freedom to live life without any financial burden
We all earn but clueless about when to spend or invest. 😀 Thanks again Ankur 🤘🤘👏
Sir , apka video bohut useful hein...please aap ek eisa video banaiye ki 36 ke age mein 45000 ke salary lekor keise invest karna chahiye aur 36 ki age me investment start keise kare...
So beautifully explained 🙌🏻
Hustle today, shine tomorrow.
Thank you so much sir to teach us how to manage life goal with good planning
One of the most important thing to understand😊❤
So informative, knowledgeable and amazing advice sir🎉🎉
The way you explain things is beautiful
Many congratulations for your 3M 😊❤
This video took alot of thoughtfulness and hard work ❤
Ye hardwork hai😂😂😂
30,000 is not enough with rent and two EMIs in Gurgaon
Sir You are Best.Amazing. Thanks for this excel sheet.
🎉Congratulations for 3M ankur sir keep growing and making helpful content for us as a teenage guy
One more thing, try getting another source of income apart from your main job. This will increase the chances of achieving those goals as well.
please make a video how your record your time in excel.
Ankur sir please make detailed video on flats, plots or other land property investments
Govt returns pichle 20-22 saal phle zada hua karte the 15-20 %, aab toh bas 7-8% reh gaye hai.
Bhavishya m govt aur zada haath kheench legi..
And equity will always remain unpredictable.
Beautifully explained ❤
Thank you ❤
There are couple of limitations in this.. because of which there will be a huge diff in numbers. Majorly because we considered needs will not change
1. The 50% salary component i.e Needs considered, you are incrementing them with inflation. However EMIs will remain constant & EMI will be one major part of needs (say 70% of needs will be EMIs) so the needs component YoY will reduce & component of investment will increase ideally.
2. YoY you considered the all the needs will remain same. However the needs will change. (since some needs will remain same/end with time. Ex: insurance, kids education, self dev courses etc.)
3. Inflation% varies w.r.t diff categories under needs & wants. However it is considered constant %
The approach seems super powerful but confused because of above things which makes me unable to use the sheet. Possible to incorporate these into the model pls?
Thanks, this time you took care of the increment percentage. As no one will get 10% increment every year. But a quick question.
1. How would our investment percentage grow continuously. Like investing 60%+ of our income. Its only possible for a bachelor because most people will have children and the needs would be a lot more. No one will live on 20 percent of the income. Not a family guy.
2. What about the emi for the bike, car, house etc.?
Absolutely right😊
Congratulations on 3M subscribers!🎊🎈🎉🎁✨ You truly deserve it! The Excel Sheet is Brilliant!!!! Kudos to you for creating it!
I have a question, anyone who reads this comment can also answer .
According to the 20,30,50 rule,where is saving come?
I mean if we take 20% investment as savings.
Its also saying that we having 6 months of savings
How we do that part?
Which saving?
If you meant about emergency funds for 6 month's. Frist try to clear your existing high interest rate loans, next make emergency funds of 6 month's, once you made your emergency fund and then start investing your 20% on Mutual funds/stocks.
Bro kitna bhi saving karlo you'll only get rich through investments
Excellent information but you missed medical related expence basically opd expence
For that you should have an insurance which comes under needs
Nice ye calculation koye na hi to sikhta hai or na hi Batata hai
Inhe ache gudines ka liya hi apka channel subscribe Kiya hai ❤❤
Thank you soo much sir for sharing this information with us it really Motivate us to plan our future.😊🙏❤💯
Hi sir, I am earning at the age of 13, can you make a video of handling income at an early age
Just save some and Invest all other amount in Investments like Mutual funds, Golds, shares, bonds, etc
@@dothingswithfunyaksh I am earning through stocks only...
Sheet edit nahi ho rhe hai iski edit enable karo
Sir you are best financial teacher❤❤
Thanks for showing the power of budgeting and financial planning..But sir plz adjust the sheet as per the Income tax.
10% increment is for private jobs only. What about Govt job and PSU. Per year increment is only 3%😢
Jo DA 2 times hike hota hai 7-8% uss ka kya
You ignored One very Important factor for salaried people, taxation!!🤑
Going to school for 12 years
And then college for 4 years
Spending 16 years of life for a 30k salary?
It's not a job, it's slavery.
Think of this amount as a reward for learning great skills that will help you in getting better opportunities in the future.
A friend of mine started at 17K salary in 2017 and 2022 came, she got placed in Adobe at 20LPA coz of the skills she got from working at her first organization.
Thank you sir for making this excel sheet🙏
Middle-class people can achieve their goal..
Thank you so match sir
Best supporting for middle class groups guide highly class level achievement.
My brother rly group d employee .
Zindagi excel ke hisaab se nhi chlti sir '''kab stearing ghumnaa pad jaaye ye khud driver ko nhi pata hota 😊
The video is great and really informative... But just a small suggestion that there must be an option to add our current investment value as many of us maybe having some corpus and not all freshers...
I have some expenses in the near future for which most of my saving is done but I am unable to add that to the expense list as it is making the corpus value negative
Sir, U explained very well. I have a doubt that in expenses you have added the down payment only how can we get how much should be the EMI is match within the desired column
I want you to live more than 100 years Sir ..... all the knowledge i have about my finances is because of you
Ankur Sir, You have not inckuded the consideration for emergency fund and Insurance Cost
Thank you soo much sir, I was really disappointed with 32k and after watching this i got some hope ❤
Informative video.... keep going on sir
Ankur sir is so smart, no one can point him wrong because by the time we realise that he is wrong we will be old.😅
But concern here is, how to invest in equity and where to invest. Which equity is Safer
This channel tell only excel magics not real life magics
I'm 45 years now and thinking this to plan implement but not possible because past years was worst on finance and planning. And salary was not at all near by this schedule. Was started salary at Rs 1500 (1.5K).
This is the best 20 minute I have ever spend. Thank you sir 🙏
I have a question
Where is the money for taxes sir😅
Suggestion:plz also include in excel sheet cause you can make all the money you want but how much of it you can keep it
It's mentioned in hand salary that means it's post tax. And for investment 15% is added for tax.
Do you have access to edit it?
मैं उत्तर प्रदेश सरकार में हु। 8 साल हो गया नौकरी में । 38000 सेलरी है । इंक्रीमेंट 3% है
eyeopening session .... never thought like this
It is really helpful.Lots of gratitude sir 💐
Pls Ankur Sir one excel sheet for financial freedom per ho jay...
Want to discuss about investment but on different condition
Thats the sheet we wanted Ankur ji. Thank you very much. It was a nice motivational planning for most of us.
I have watched 2 videos of you today. Morning routine and this one. Both are awesome.
Very nice information 😊
Hi sir, aap jo bhi excel sheet me btate hai sir wo meri life me kahi se,fit nahi hai sir Qki me middle class family se hu me jo kaam karta hu usme meri salary 20k hai sir pr salary fix nahi hoti hai agr mere pass kaam na hoto to meri 15k 10k sir mere kaam me salary inflation ke sath nahi badhti hai Jitna kaam ho utna hi salary milti hai
Not ale to download eccel file and make my calculations
I can't believe how simply brilliant it is man !
Thank you big sir !
Hi sir, ek doubt hai, kya Total Corpus inflation adjusted hai ?
I have seen alot of your videos, but one thing I found common is you never take taxation into account, I mean I understand that the slabs might change or whatever, but shouldn't there be a column for that as well (I k that sounds very demanding), because that it would help us understand what are we left with in hand so that we can divide money accordingly. But irrespective, the video is damn upskilling.
Excellent Explanation in Excel for all to excel. 💯🙏
Now tell me honestly whose dream life looks like this.
Congratulation dear sir and thank you for this typ of valuable video❤
How I edit and put my numbers in sheet as it is showing “view only” mode
अच्छे समजाते हो आप सर
First 5-7 seconds of this video is enough for depression 😊
@warikoo Hey Sir , Can you share some ways that we can keep our money for wants instead of a savings account ? Something which gives us guaranteed returns like 5-6% p.a. to beat the wants inflation and also i can withdraw them whenever i want ? Something like a liquid fund but can you share other options also so we can compare and see . Thank you so much for covering the 30K/ month salary cap
Firstly you can speak with your bank and enable sweep in facility, this will make your "wants" amount (sitting idle in your savings account) earn interest as per the roi of FD 5-7%
Secondly you can invest in debt MFs, they give returns between 6-9% and exit load is mostly NIL.
Third and my favorite option is to invest money in cred mint it gives a fixed 9% ROI which is the highest (You will get access on an invite basis only).
fourth, if you are planning to use in money in some time, you can check out wint application as well it it helps you invest your money in bonds 9-11% ROI with this option plus there is a systematic payout (ex- 25% every quarter) on every investment so that you have access to the partial principal amount within a reasonable time.
Ap to khiladi nikle sirrrrr 😂😂
Brilliant Sir...........................!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is exactly what I looking for
I will be the next warikoo ...... Lots of love to you sir
I'm a doctor by profession 😊
But one thing is wrong here sir,
After the down payment of Car, Bike or Home. How we calculate the EMIs in this budget list. That EMI will never fit in expense budget... Kindly help me clear this please.
Jaisa hum plan banate hai long time ke lie vaisa hota nahi,samay paristhitiyan badal jati hai.