Basics of Personal Finances you must know in your in 20’s

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     Financial Literacy is very important in your life and if you become financially literate and learn how to handle money, then maybe you won’t have problems in your life and you will know how to use money properly, your life will become easier, and you will reach one step closer to becoming rich. Personal finance is a vast field and can seem a little intimidating at first sight. There are many big words like risk, returns, and Mutual Funds. What actually are these? If you start in your 20s, then you can get many advantages. Today we will talk about 4 things that can make you richer in life. In this article, we will discuss 4 such ideas that you can implement in your life to make you more comfortable in the future, and increase your cash flow. Savings So now we’ll talk about savings. Everyone knows about savings, that we need to save money. But how do we do this? Most people call this the 50-30-20 rule, where you invest 50% of your income on your needs, 30% on your wants, luxurie

ते स्वप्न ...

        एके दिवशी मी माझ्या घरी निवांतपणे अंथरुणावर झोपलेलो होतो आणि मला एक भयानक स्वप्न दिसलं . त्या स्वप्नाने मला तर झोप येणं बंद झालयं तुम्ही पण बघा वाचून एकदा !
         तो एक सर्वसामान्य दिवस होता . आमच्या अभियांत्रिकी महाविद्यालयाचे सराव पेपर सुरु होते . बरोबर ओळखलंत तुम्ही तेच पेपर जे तुम्हाला कुठेच मदत करत नाहीत ,ना विद्यापीठाच्या परीक्षेत आणि आयुष्यात तर मुळीच नाही . नेहमी प्रमाणे मी सकाळी उठलो ,आणि एका अभियांत्रिकी बॅकग्राऊंडचा असल्या मुले पास होण्यापुरता थोडासा अभ्यास केला . त्याच दिवशी माझ्या मित्रांमधील एका गाढवाचा वाढदिवस होता . आमचा बेत ठरला होता पास होण्यापुरता पेपर लिहायचा आणि बर्थडे पार्टी सेलेब्रेट करायला हॉटेलात जाऊन मस्त जनावरासारखा खायचं आणि घरी जाऊन झोपायचं . आणि तो दिवस तसा गेला . 
        दुसऱ्या दिवशी सकाळी उठलो आणि मोबाइल बघतो तर काय कुठल्या तरी एका व्हायरस ने सर्वत्र धुमाकूळ घातलेला होता . कॉलेज च्या पण ग्रुपवर मेसेज आला होता कि या व्हायरस मुळे आपले कॉलेज पुढची नोटीस येई पर्यंत बंद राहील . आम्हाला या व्हायरसची कसलीच भीती नव्हती ,कारण आम्ही तर महाराष्ट्रातले ना . मराठी स्वाभिमान हो , दुसरं काय. खरं सांगायचं तर आम्हीसुद्धा मनातून खूशच होतो कारण खूप दिवसांनी घरी जायला भेटणार होतं . त्याच रात्रीचं तिकीट बुक करून आणि घरी हजर . आणि हं तुम्हाला वाटत असेल घरच्यांना सरप्राईस तर असलं काही मराठी घरात नसतंच हो मुळी . पुढील २-३ दिवस आनंदात गेले , मित्रांना भेटलो , फिरलो ,टवाळक्या केल्या आणि एके रात्री टीव्हीवर आलं कि संपूर्ण भारत काही दिवस लॉकडाऊन मध्ये राहील.जसजशी दिवसं जात होती लॉकडाऊन वाढतच होता . आता तर घरीपण राहायला बोरं व्हायला लागलं होतं . हा लॉकडाऊन चक्क ६८ दिवस चालला . सर्व जग हालवलेलं होत या व्हायरस ने .
        मला खळबळून जाग आला आणि बघतो तर काय , मी माझ्या बेडवर झोपलेलो आणि जे मी स्वप्न बघितलं हे स्वप्न नाही तर खरं होतं . आणि या गोष्टीने मला विचार करण्यास भाग पाडलं कि का निसर्ग आपल्याशी असा वागतोय ?आपण काही चुकीचं केलंय का ?आणि मग विचार आला, बरोबर तरी काय केलयं . या चूक आणि बरोबरच्या कोड्याने माझी तर झोपमोड केलीये तुम्हीपण विचार करा . 




That Dream ...
        One day I was sleeping comfortably in my house and I had a nightmare. That dream stopped me from falling asleep, but you read it once!
         It was a normal day. The practice paper of our engineering college begins. You know the paper that doesn't help you anywhere, not even in university exams and in life at all. As usual I woke up in the morning, and did a little study to get passing marks as I was from engineering background. That same day, one of my friends had a birthday. Our plan was to write a paper to pass and go to the hotel to celebrate the birthday party, eat like a cool animal and go home to sleep. And so the day went on.
        I woke up the next morning and looked at my mobile phone and saw that there was a virus everywhere. There was a message on the group of the college that due to this virus, your college will remain closed till further notice. We had no fear of this virus, because we are not from Maharashtra. Marathi self esteem, nothing else. In fact, we were very happy because we were going to meet at home after long days. By booking a ticket for the same night went to home. And yes, if you think it is a surprise to the family, then there is no such thing as a Marathi home. The next 2-3 days were spent happily, meeting friends, going for walks, hanging out and one night on TV a news was running that the whole of India would be in lock-down for a few days. As the days went by the lock-down was increasing. Now I was tired of living at home. This lock-down lasted for 68 days. The whole world was moved by this virus.
        I woke up in a daze and saw what, I was sleeping on my bed and what I dreamed was not a dream but a reality. And this made me think why nature is treating us like this? Did we do something wrong? And then the thought came, what did we do right? This puzzle of right and wrong had blown my mind.You should also think.

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