Finance personal

 Earning Rs.18000/-

Monthly I have invested in SIP 4,500/-

I am berring expense Maintenance Rs.1,000/-

Also some time recharge of my father phone Rs.399

Also I am recharging my phone Rs.399

Petrol Expense Rs.2,000/-

Personal expense Rs.1,000/- food

In future I like to invest Fixed deposit account Rs.1,00,000/- 

In future I like to some personal helth for investing Rs. 50,000/-

I like to in future i have in my bank account Rs.50,000 for emergency fund.

In present wanting in my account Rs.50,000/-

Yearly plan

For some cloth I like to investing Rs.40,000/-

For some cosmetic & grooming  I like to investing Rs.50,000/-

For some inner wear cloth investing Rs.10,000/-

This year I like to plan for travel 10 days out of ahmedabad Rs.10,000/-

Fix plan this year

I like to buy laptop on credit base

I want to buy my silver payal, gai , rings & tulsi kyaro 

I wanna buy Also earrings top.

I like to buy gold chain

I want to buy my silver braclet & chain

22March.2025

In 28 age I am working as office assistant job. I am getting salary from this job is Rs.18,000/-. No any pf deduction from this job. I don't have helth insurance. My personal expenses monthly is Rs.5000/-. I have fd Rs.20,000/-. I am investing lumsum amount in sip monthly is Rs.3000/-. Not paying regularly. I would like to store my emergency fund for in future. Also my age is like marriage so might be I will getting marry next year. I like to buying next month leptop on credit and that DP is Rs. 15000/- might be that leptop actually price Rs.45 to 50 k around. That laptop maybe helpful for freelancer work. Might be I will make some money but i don't know that safe or not but would like to do. Also my conversation Is very low in English so this year might be it will good because I am working on regular wrong English conversation video 15 to 20 minit.

I like to my backup plan for my future 

1. I have one house 🏠 that will approximately Rs.18 to Rs.20 lac.

2. I would like i have in my account Rs.1 lac for my emergency fund future 

3. I have also wanting to help to my brother clear their home loan soon 

4. I have some investments for my personal business 

5. I have some investments for my personal expenses 

So let me know how can I planning in 18k Salary. 

23-03-2025

One day I have 24 hours how to manage 

10 to 7 job

Home responsibilities like making food, laundry,  cleaning 

1 hour spend with traveling for job

Yet my age is 28 in upcoming year might be I got marry.

I have limited financial stability 

You know I had 80k so that amount I spend in my sis weddinng so yet I have responsibilities of I have some amount for my marriage.

approximately my marriage cost 2lac in future 

i have limited skill 

i gave emotional stability with my parents 

in upcoming year also have social gathering responsibilities that my be 60k around 

Expectations

Laptop for freelancer for income earning

I have some family hustling with in my family members so i mange home food, laundry, making night dinner,  washing vessel 

here i want in future good life i don't want like this type as i am living at my home yes i do struggle but also i have peace

I don't want to same struggle 

Investment 

Emergency fund

Health insurance 

I have financial plan. If my salary is Rs.21k 

first I take it my income then first I want to like what my upcoming expense & need.

Then I write my expense,

First petrol- 2k

Maintenance- 1k

Investments- 5.5k

Emergency fund starting in April month - 1k

Planning for investing gold- 2k

Upcoming expense: here I have challenge & also some breakdown for my self.

Buying small gold physical top - 10k in 3 month,

Planing for gold ring - Rs.15k in 3 month 

Planning for clear debt - 2 Yr 1.75 lac

Planning in hold future my career mba in finance & also making my self best for me 

Making some fd Rs.20k for siblings 

You know I have some amazing plan for my future 

Short term plan

1. Laptop , headphons, pendrive,  camera, 

2. Freelancing work & enhance my skill

3. Making jewellery like silver ancklate,  coins silver , 

4. Learning good English through own video 

5. Cleared relative debt 175000

6. Removing my specs 

7. Good body shape 

8. Marriage saving 2l

9. Emergency fund I have put aside- Rs. 50,000

Also I have some cash - Rs.20,000

Silver coins - 20 gram

Gold - 2 coin 5 gram

10. Petty cash for relative & extra gift - 10T

Long term plan 

1. Planning for my baby they have secure future saving for them 2 L

2. I will complete my mba in finance in 2 year

3. Traveling out of country with husband 2 trip

4. Also making some retirement planning for our future 

5. Safe gaurd of my family helath insurance & life insurance 

6. Stable job or businesse 

7. Investment in 300000 & my own home & car