What are 6 things to consider when building a personal budget? Please list them out, and provide a detailed explanation of each. 
system
vyaktigat bajet kaa nirmaan karte samay 6 baaten kya hai?kripaya unhen soochibaddh karen, or prayek kaa vistrut vivaran pradaan karen.
user
avashya!apana vyaktigat bajet banane ke liye, in chah charnon kaa paalan karen.

1. apni shuddh aay kii gananaa karen.
apni shuddh aay banaakar shuru karen.shuddh aay vah dhan he jo aap sabhi karon or shulk ke baad arjeet karte hai;yah vah paisa he jo prayek maheene ke ant main aapaki jeb main samaapt ho jaataa he.yah aapke bajet kii neenv ke rup main mahatvapurn he.yah nirdhaarit karata he ki aapke paas apni vyay shreniyon ko aavantit karne ke liye kitna uplabdh he.ek saamaanya galati log karte samay aay kii gananaa karte samay karon or pension yogadan se pehle sakal kul kaa upyog karnaa he.iskaa matlab he ki ve vastav main praapt hone kii tulana main adhik aay kaa anumaan lagaate hai or is tarah ek galat bajet kii ore jaataa he.apni shuddh aay ko khojane ke liye, aap kuch aitihaasik bhugtan par baariki se dekh sakate hai yaa kai online calculator main se ek kaa upyog kar sakate hai.

2. apane kharch ko trek karen.
aglaa kadam 1-3 maheenon ke liye apni kharch karne kii aadaton ko trek or vargeekrut karnaa he.main teen maheene kii salaah duungaa taaki koi bhi timahi bhugtan shaamil ho;haalanki, adhikansh kshetron main aadaton ko kharch karne kii bhaavana praapt karne ke liye ek maheenaa paryaapt he.yah mahatvapurn he kyonki yah aapako is baat kaa andaja degaa ki aapkaa paisa har maheene kahaan jaataa he or aapako masik bajet banane ke liye ek thos aadhaar detaa he.aisa karne ke liye, aap ek avadhi main aapke dwaara kiye gaye prayek lenden ko likh sakate hai or ise ek shrenee pradaan kar sakate hai.aapke liye chizon ko aasaan banane ke liye ek excel spredshit kaa upyog karen.adhikansh bank aapako ek siesavi fil downlod karne kii anumati denge jisamen purv nirdhaarit avadhi ke liye aapke sabhi lenden shaamil hai.ek baar downlod hone ke baad, aap prayek lenden ke bagal main ek shrenee likh sakate hai.

3. prapya lakshya nirdhaarit karen.
agali cheez jo aapako chahie vah aapke paas maujuud lakshya he.sunishchit karen ki aapke lakshya prapya hai or unke liye bhi ek avadhi nirdhaarit karte hai.saamaanya lakshya aapke dwaara pehle se arjeet kiye gaye rin kaa bhugtan karnaa he yaa teen maheene ke apatkaaleen kosh jaise bachat kii sthapana kii he.ye lakshya mukhya rup se 1 se 3 varshon ke bheetar alpakaalik or praapt karne yogya hone chahie.dirghakaalik lakshyon ko sthapit karnaa thik he, lekin aapke masik bajet ke liye, alpakaalik vah he jo ham sabase adhik ruchi rakhte hai. sunishchit karen ki ye lakshyon ko prerit kar rahe hai, kyonki ye aapako trek par rakhane main madad karenge jab aap apni avhelnaa karnaa chaahate hambjet.

4. apni yojana banaaen.
yah vah jagah he jahaan aap ek bajet taiyaar karnaa shuru karte hai.aapke paas apane record kiye gaye lenden or apni aay he.apane record kiye gaye kharchon ko dekhen or prayek shrenee ke liye nirdhaarit karen ki prayek maheene ke liye ek acha bajet kya hoga.aapaki kuch nishchit laagton ke liye, yah spasht hoga.udhaaharan ke liye, aapkaa kiraaya maheene par maheene main bhinn nahin hoga.aapaki char laagat, jaise ki baahar khaanaa, masik rup se bhinn ho saktaa he, isliye ek madhya maidan set karen jiske saath aap sahaj hai.aapako alag -alag shreniyan banane kii aavashyaktaa hogi jo aapke lakshyon par vichaar karte hai, udhaaharan ke liye, ek avkaash shrenee jahaan aap $ 100 masik bachaane kaa lakshya rakhte hai.aapke sabhi bajet vaale kharchon ko aapaki shuddh aay sankhya ke bheetar girnaa chahie.yadi aisa nahin hota he, to aapako kahin waapas katautee kerani hogi.

5. apane bajet se chipke rahen.
apane bajet main rahane ke liye bahut dhyaan rakhen.aapkaa bajet un lakshyon tak pahunchane or aapke sadhano ke bheetar rahane kii guarantee detaa he.yah sunishchit karne ke liye apane kharch ko trek karnaa jari rakhen ki aap bajet ke bheetar shesh hai.yadi aap dekhte hai ki kuch shreniyan lagbhag puri tarah se kharch kii gai hai or yah keval 9 veen maheene he, to isse aapako us shrenee main kharch karne se rokane main madad kerani chahie.yadi aap ek shrenee main overspeed karte hai, to trek par rahane ke liye duusare main kharch ko kam karne par vichaar karen.iske saath chadi karne ke liye prerana ke rup main apane lakshyon kaa upyog karen.

6. niyamit rup se samiksha karen.
ek bajet keval utana hi acha hota he jab aap ise karte hai, isliye ise banaae rakhen or apadet karen.kaam par ek vetan vruddhi kaa matlab hoga ki aapke bajet ko adhik aay or bachaane yaa kharch karne kii adhik kshamta dikhaane ke liye samyojit kiya ja saktaa he.kam se kam tremasik rup se apane bajet kii samiksha karnaa hameshaa acha hota he, lekin jivan ke char, jaise janmdin, ghatnaon or anya ek-band avasaron ke liye sabase achche bajet ko masik rup se apadet kiya jaataa he.yah sambhaavna nahin he ki aapkaa disambar (christmas) bajet farvari ke liye aapke bajet ke samaan he.apane bajet ko banaae rakhane or apadet karne ke liye ek aage kii soch drushtikon kaa upyog karen.ek maheene main aapke bajet ko kam karne main koi nuksaan nahin he, isliye aap ise duusare main tab tak badha sakate hai jab tak sanyukt, ve aapaki aay ke bheetar hai.
assistant
<|system|>
</s>
<|user|>
vyaktigat bajet kaa nirmaan karte samay 6 baaten kya hai?kripaya unhen soochibaddh karen, or prayek kaa vistrut vivaran pradaan karen.</s>
<|assistant|>
avashya!apana vyaktigat bajet banane ke liye, in chah charnon kaa paalan karen.

1. apni shuddh aay kii gananaa karen.
apni shuddh aay banaakar shuru karen.shuddh aay vah dhan he jo aap sabhi karon or shulk ke baad arjeet karte hai;yah vah paisa he jo prayek maheene ke ant main aapaki jeb main samaapt ho jaataa he.yah aapke bajet kii neenv ke rup main mahatvapurn he.yah nirdhaarit karata he ki aapke paas apni vyay shreniyon ko aavantit karne ke liye kitna uplabdh he.ek saamaanya galati log karte samay aay kii gananaa karte samay karon or pension yogadan se pehle sakal kul kaa upyog karnaa he.iskaa matlab he ki ve vastav main praapt hone kii tulana main adhik aay kaa anumaan lagaate hai or is tarah ek galat bajet kii ore jaataa he.apni shuddh aay ko khojane ke liye, aap kuch aitihaasik bhugtan par baariki se dekh sakate hai yaa kai online calculator main se ek kaa upyog kar sakate hai.

2. apane kharch ko trek karen.
aglaa kadam 1-3 maheenon ke liye apni kharch karne kii aadaton ko trek or vargeekrut karnaa he.main teen maheene kii salaah duungaa taaki koi bhi timahi bhugtan shaamil ho;haalanki, adhikansh kshetron main aadaton ko kharch karne kii bhaavana praapt karne ke liye ek maheenaa paryaapt he.yah mahatvapurn he kyonki yah aapako is baat kaa andaja degaa ki aapkaa paisa har maheene kahaan jaataa he or aapako masik bajet banane ke liye ek thos aadhaar detaa he.aisa karne ke liye, aap ek avadhi main aapke dwaara kiye gaye prayek lenden ko likh sakate hai or ise ek shrenee pradaan kar sakate hai.aapke liye chizon ko aasaan banane ke liye ek excel spredshit kaa upyog karen.adhikansh bank aapako ek siesavi fil downlod karne kii anumati denge jisamen purv nirdhaarit avadhi ke liye aapke sabhi lenden shaamil hai.ek baar downlod hone ke baad, aap prayek lenden ke bagal main ek shrenee likh sakate hai.

3. prapya lakshya nirdhaarit karen.
agali cheez jo aapako chahie vah aapke paas maujuud lakshya he.sunishchit karen ki aapke lakshya prapya hai or unke liye bhi ek avadhi nirdhaarit karte hai.saamaanya lakshya aapke dwaara pehle se arjeet kiye gaye rin kaa bhugtan karnaa he yaa teen maheene ke apatkaaleen kosh jaise bachat kii sthapana kii he.ye lakshya mukhya rup se 1 se 3 varshon ke bheetar alpakaalik or praapt karne yogya hone chahie.dirghakaalik lakshyon ko sthapit karnaa thik he, lekin aapke masik bajet ke liye, alpakaalik vah he jo ham sabase adhik ruchi rakhte hai. sunishchit karen ki ye lakshyon ko prerit kar rahe hai, kyonki ye aapako trek par rakhane main madad karenge jab aap apni avhelnaa karnaa chaahate hambjet.

4. apni yojana banaaen.
yah vah jagah he jahaan aap ek bajet taiyaar karnaa shuru karte hai.aapke paas apane record kiye gaye lenden or apni aay he.apane record kiye gaye kharchon ko dekhen or prayek shrenee ke liye nirdhaarit karen ki prayek maheene ke liye ek acha bajet kya hoga.aapaki kuch nishchit laagton ke liye, yah spasht hoga.udhaaharan ke liye, aapkaa kiraaya maheene par maheene main bhinn nahin hoga.aapaki char laagat, jaise ki baahar khaanaa, masik rup se bhinn ho saktaa he, isliye ek madhya maidan set karen jiske saath aap sahaj hai.aapako alag -alag shreniyan banane kii aavashyaktaa hogi jo aapke lakshyon par vichaar karte hai, udhaaharan ke liye, ek avkaash shrenee jahaan aap $ 100 masik bachaane kaa lakshya rakhte hai.aapke sabhi bajet vaale kharchon ko aapaki shuddh aay sankhya ke bheetar girnaa chahie.yadi aisa nahin hota he, to aapako kahin waapas katautee kerani hogi.

5. apane bajet se chipke rahen.
apane bajet main rahane ke liye bahut dhyaan rakhen.aapkaa bajet un lakshyon tak pahunchane or aapke sadhano ke bheetar rahane kii guarantee detaa he.yah sunishchit karne ke liye apane kharch ko trek karnaa jari rakhen ki aap bajet ke bheetar shesh hai.yadi aap dekhte hai ki kuch shreniyan lagbhag puri tarah se kharch kii gai hai or yah keval 9 veen maheene he, to isse aapako us shrenee main kharch karne se rokane main madad kerani chahie.yadi aap ek shrenee main overspeed karte hai, to trek par rahane ke liye duusare main kharch ko kam karne par vichaar karen.iske saath chadi karne ke liye prerana ke rup main apane lakshyon kaa upyog karen.

6. niyamit rup se samiksha karen.
ek bajet keval utana hi acha hota he jab aap ise karte hai, isliye ise banaae rakhen or apadet karen.kaam par ek vetan vruddhi kaa matlab hoga ki aapke bajet ko adhik aay or bachaane yaa kharch karne kii adhik kshamta dikhaane ke liye samyojit kiya ja saktaa he.kam se kam tremasik rup se apane bajet kii samiksha karnaa hameshaa acha hota he, lekin jivan ke char, jaise janmdin, ghatnaon or anya ek-band avasaron ke liye sabase achche bajet ko masik rup se apadet kiya jaataa he.yah sambhaavna nahin he ki aapkaa disambar (christmas) bajet farvari ke liye aapke bajet ke samaan he.apane bajet ko banaae rakhane or apadet karne ke liye ek aage kii soch drushtikon kaa upyog karen.ek maheene main aapke bajet ko kam karne main koi nuksaan nahin he, isliye aap ise duusare main tab tak badha sakate hai jab tak sanyukt, ve aapaki aay ke bheetar hai.</s>
