KK INFOCITY

Emergency Fund: Har Family ke liye Zaruri Financial Shield Emergency Fund: Har Family ke liye Zaruri Financial Shield Aaj ke time me paisa sirf kharche ke liye nahi, balki survival tool ban chuka hai. Bohot log sochte hai ki salary aa rahi hai, business chal raha hai toh emergency fund ki kya zarurat? Lekin Corona pandemic ne hume sabse badi financial learning di – kal kaisa hoga koi nahi jaanta. Emergency Fund kya hota hai? Emergency fund ek aisa separate savings account ya liquid investment hota hai jahan aap 3 se 6 mahine ke kharche cover karne layak paisa rakhte ho. Iska use sirf tab hota hai jab koi genuine emergency aati hai: Job loss ya salary cut Medical emergency Business loss ya cash flow problem Accident, repair ya travel emergencies Corona ne kya sikhaya? 2020 ka time sabko yaad hai. Logon ki naukriyan gayi, chhote business band ho gaye, students ko hostel band hone ki wajah se ghar aana pada, aur sabse badi baat – medical expen...

💸 Personal Loan ka Trap – Middle-Class Families ke Sapno ka Dusra Naam: Karz Aaj kal ki middle-class families ke liye personal loan ek shortcut jaisa lagta hai – lekin kya yeh shortcut success tak le jata hai ya ek trap ban jata hai? 🌪 Jab zarurat badhti hai, toh loan ek solution lagta hai Middle-class families mein zindagi ka har bada kaam – shaadi, education, emergency medical treatment, ya ek naye phone/fridge ka kharidna – sab kuch kabhi-kabhi budget ke bahar hota hai. Tabhi aata hai “Personal Loan”. 📌 Koi documentation jyaada nahi, 📌 2 din mein paisa account mein, 📌 EMI option bhi easily mil jata hai... But kahani yahin se bigadti hai! 🧨 Personal Loan: Trap kaise banta hai? High Interest Rates Banks ya loan apps 12% se 24% tak interest charge karte hain. Agar ₹1 lakh liya, toh kabhi kabhi ₹1.5 lakh tak chukana padta hai. EMI ka pressure Har mahine ₹5000–₹10,000 ki EMI nikalti hai, jiska impact sabse pehle household budget par padta hai – bachchon ki fees, ration, el...