Introduction

Managing money feels tough until you create a personal budget. A budget is not about restricting yourself — it’s about planning your income and expenses wisely. Jab aap apni monthly earning aur kharchon ka plan bana lete ho, toh financial stress kam ho jata hai aur savings zyada barh jati hain.

Is article mein hum step-by-step samjhenge personal budget kaise banayein, simple language aur examples ke sath.

Step 1: Note Down Your Income

English: First, write down all your sources of income — salary, freelance work, side business, or any passive income. This gives you a clear picture of how much money is coming in.
Roman Urdu: Sabse pehle apni saari income likho, chahe wo salary ho, side business ya koi extra earning. Ye step aapko clear idea deta hai ke total paisa kitna aa raha hai.

Step 2: Track Your Expenses

English: Write down your daily, weekly, and monthly expenses. Divide them into two categories:

• Fixed Expenses (rent, bills, school fees)
• Variable Expenses (shopping, eating out, travel)

Roman Urdu: Har din, hafte aur mahine ka kharcha likho. Isko do categories mein divide karo:

• Fixed Expenses (jaise rent, electricity, school fees)
• Variable Expenses (shopping, bahar khana, travelling)

Step 3: Set Priorities

English: Decide what is necessary and what can be reduced. If you are spending too much on non-essentials, cut them down.
Roman Urdu: Dekho zaroori cheezein kaun si hain aur kin cheezon ko kam kiya ja sakta hai. Agar non-essential cheezon pe zyada kharch ho raha hai toh usay control karo.

Step 4: Create Saving Goals

English: Always set aside at least 20% of your income for savings or emergency fund. This will protect you from future financial stress.
Roman Urdu: Hamesha apni income ka kam se kam 20% saving ya emergency fund ke liye rakho. Ye aapko future ke financial pressure se bachayega.

Step 5: Stick to the Plan

English: The hardest part is discipline. Review your budget every month and make adjustments if needed.
Roman Urdu: Sabse mushkil cheez hai discipline. Har mahine apna budget check karo aur zaroorat ho toh adjust karo.

Conclusion

English: A personal budget is like a roadmap for your money. It helps you avoid unnecessary expenses, build savings, and achieve financial freedom.
Roman Urdu: Personal budget ek road map hai jo aapko apne paison ka behtareen istemal sikhata hai. Is se aap unnecessary kharchay control karte ho, saving barhate ho aur financial freedom achieve kar sakte ho.