Pakistan main savings rate bohot kam hai - average Pakistani apni income ka sirf 6-8% bachata hai. Experts ke mutabiq kam se kam 20% income save karni chahiye. 50-30-20 rule follow karein: 50% needs, 30% wants, 20% savings.
Savings badhane ke 10 practical tips: (1) Budget banaein aur track karein, (2) 3-6 months ka emergency fund banaein, (3) Credit card ka istemal limit karein, (4) Monthly SIP investment start karein, (5) Unnecessary subscriptions cancel karein, (6) Ghar ka khana khayein (takeaway se 60% bachat), (7) Second-hand items purchase karein, (8) Energy saving appliances use karein, (9) Bulk shopping discounts ka fayda uthayein, (10) Nisaan insurance policies se bachein.
Savings ko invest karna bhi zaroori hai. Bank account main rakhe paison ki value inflation ki waja se girti hai. Pakistan main 25%+ inflation rate hai - yani aap ke Rs. 100 ki real value agle saal sirf Rs. 75 ke aas paas reh jayegi. Is liye savings ko inflation beating investment options main lagaayein jaise mutual funds, stock market, gold ya real estate.
Children ki education kay liye bhi saving start karein jitna jaldi ho sake. NISAAN, Al-Meezan Investments jaise Islamic funds bhi available hain. Har month Rs. 10,000 bhi SIP main 12% return par 10 years main Rs. 23 lakh ban jata hai.
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