Top 10 Biggest Students Money Mistakes That Ruin Your Future.

Students life ek exciting phase hota hai jahan unhe new freinds, freedom, aur bahut sari opprtunities milti hain but isi phase me hum apni financial habits ko build karte hain. jo habits directly hamare future ko impact karti hai. Wahin Zyada tar students paiso ko sirf spending tool samjhate hai aur use faltu ki chijo me kharch karte rahte hai. Aur yahan har Students Money Mistakes zaroor karta hai.

But Problem ye hai ki yahi choti choti galtiyan jo har students ko life me common lagti hain wahi ek din financial disaster ban jaati hain. jaise unnecessary kharch karna, savings na karna, ya credit card ka misuse karna etc. agar in sabhi chijo ka awareness aur Discpline hamare ander abhi se aa jaye to hum apna future financially secure bana sakte hain.

To aaj ke iss Blog me hum discuss karenge-

• Students ki top 10 galtiyan jo har students karta hai
• Real life examples & unka impacts
• Step by Step solutions jo aap abhi implement kar sakte ho

Step by Step Top 10 “Students Money Mistakes.”

1) Budgeting

Problem

Bahut se students me ek common soch rahti hai ” Abhi toh students hu, abhi budget ki kya zaroorat hai” aur isi soch se wo budget nahi banate jisse unka paisa track hi nahi ho pata ki unka kharcha kha hua hai. jaise hi unko pocket money ya stipend milta hai to wo use ek hi hafte me kharch kar dete hai jisse wo phir pure mahine Stress me rahte hai.

Impact

• Pure month stress me rehna
• Borrowing habit develop ho jaati hai.
• Spending pattern kabhi control nahi hota

Solution

• 50-30-20 Rule: 50% Essentails (Rent,food), 30% Lifestyle (movies, clothes etc.) and 20% savings.
• apne kharcho ko ek paper sheet ya copy pe likhna shuru karo
• Har sunday 10 minutes apne pure hafte ke spending ka review karo
• isse aapko pata chalega ki apka paisa kin chijo me kharch ho raha hai
• jisse aap apne kharcho ko control kar payenge

2) Savings Delay karna

Problem

students aksar ye sochte hain ki hume abhi savings ki zaroorat nahi hai but ye unki ek bahut badi mistakes hai kyonki jab aap paiso ko save karte ho tab wo paise compound hote chale jaate hai aur yahi compounding ka game kya hota hai students ko pata hi nahi hota.

Imapct

• Emergency me hamesha parents ya Dost pe depend rehna
• Jab job start hoti hai tab bhi savings habit develop nahi hoti
• savings na karna aapki life ko unbalanced bana deta hai

Example

agar aap 20 years ki age me sirf ₹1000 monthly invest karte ho to 10% return wale SIP me, Toh 40 years ki age me aapke pass ₹76 lakh se zyada ban jayenge. Agar wahi savings 30 years me start karte ho toh sirf aapke pass ₹27 lakh hi banenge.

Solution

• Apne pocket money me se minimum 5-10% savings me invest karna shuru karo
• savings ko kisi dusre account me rakho jisse easily kharch na kar sako
• Compounding aur investments ke bare me sikhna start karo

3) Credit Card aur EMI ko “Free paisa” Samjhna

Problem

Students shoping ya kisi other assets ke liye credit card le lete hain aur usko bina reypayment plan ke use karte hai jiske baad wo mehangi chijo ko usi card se EMI pe purchase karna start kar dete hain jisse wo EMI aur interest ke trap me phas jaate hai.

Impact

• Unhe 30-40% interset dena padta hai
• credit score kharab ho jaata hai jo future loans ke liye problem ban sakti hai

Solution

• jab tak regular income na ho credit card avoid karo
• agar credit card hai, toh full bill due date par clear karte raho
• EMI sirf genuine zaroorat ho tabhi lo aur zero interest wali hi lo

4) Emergency fund Create na Karna

Problem

students aksar hamesha kisi dusre par dependent rehte hai aur sochte hain ki kabhi emergency padegi to parents ya friends se help le lunga but financial independence ka matlab hota hai ki aap apni choti emergencies khud handle kar sako.

Impact

• Extra Borrowing ya debt lena padta hai.

Solution

• Har month ₹500–₹1000 emergency fund me daalo
• in paiso ko ek alag savings account me rakho
• jo bhi aap extra ya faltu ke kharche karte ho wo emergency fund me daalo

5) Impulse Buying Aur Sale FOMO

Problem

Flipkart, Amazon ya offline mall ki sale dekh kar students aksar zaroorat se zyada shopping kar lete hai phir unhe us chij ki zaroorat ho ya na ho. kyonki wo sochte hai kahi ye sale nikal na jaye.

Impact

• Budget disturb ho jaata hai
• Kisi se udhar le lete hain
• Phir baad me regret karte hain

Solution

• 24 Hour Rule: Kuch Kharidne ka man ho toh 24 ghante wait karo agar uski zyada zaroorat hai tabhi lo.
• kabhi bhi FOMO me nahi rehna hai kyonki chances aapko hamesha milte ahin

6) Apne skills me invest na karna

Students apni life me Entertainment aur lifestyle pe paise zyada kharch karta hai aur wo kabhi bhi apni skills me invest nahi karte jisse unhe future me fayda hoga.

Impact

• degree ke alawa koi strong skill nahi hoti.
• jisse job me competetion high ho jaata hai

Solution

• Har month apne budget ka ek hissa “Skill” me lagao.
• Study ke alawa other courses karo
• New books buy karo aur workshop join karo
• High demand skills pe focus karo- Excel, communication, Freelancing etc.

7) Peer pressure me kharch karna Top “Students Money Mistakes”

Problem

Kisi dusre ko dekh kar kharcha karna jaise dost ne iphone liya to mujhe bhi lena hai phir chahe wo EMI ya loans pe hi lena pade ya dusro ko dikhane ke liye kharche karna ye peer pressure spending ki sabse badi galti hai.

Impact

• unnecessary kharche karna
• kharcho ke liye EMI ya loans lena
• jisse apne personal financial goals ignore ho jate hai

Solution

• Apni needs ke hisab se kharch karo
• kisi ko dekh kar kuch na lo jab tak uski zaroorat na ho
• dikhawe ke chakker me na raho ye aapko barbaad kar dega

8) Financial Education ko Ignore karna

Problem

Schools ya Colleges me Financial education nahi di jaati jisse wo basics chije bhi nahi samjhte jaise Interest, SIP, Tax etc. aur wo in sab chijo ko seekhne ki koshish bhi nahi karte ye unki sabse badi galti hai

Impact

• Fraud ka Trap wo kisi bhi other third parties app, sites pe paise invest kar dete hain
• jisse finnacially loss me chale jaate hain
• Wrong decision Money loss

Solution

• Har hafte apna kuch time financial education pe do
• Books padhna start karo- “Rich Dad Poor Dad”, “The Physchology Of Money”
• Basics seekhna start karo- investment, interest, SIP, Tax, Mutual Funds etc.

9) Side income Ignore karna

Students hamesha sochte rahte hai ki padhai ke saath income generate karna mushkil hai aur wo isi wajah se side income ko ignore karte hain lekin reality ye hai ki wo side ya passive income sekhna hi nahi cahhte hai jabki yahi side income unhe finacially stable bana sakta hai.

agar aapko Passive income ya side income kaise banaya jaye iske baare me janna hai ya aap apni life ko lekar serious hain to in posts ko zaroor chek kare-

How To Earn Daily 1000 Rs.? 2025 (Step by Step Guide)

How to create passive income ₹-step by step full guide (2025)

Middle-Class लोग क्यों कभी Rich नहीं बन पाते ?

Impact

• Students hamesha apne parents pe dependent rehta hai
• Graduation ke baad work experince Zero hota hai
• students kabhi seekhne ki koshish nahi karta hai kyonki use hamesha easy to use chahiye hota hai

Solution

• Freelancing (content writing, Desigining, tutoring) in sabke baare me seekhna start karo
• Internship lo Jisse experience aur paisa dono mile
• Apni skill pe dhyan do , skill seekhna start karo

₹0 में Freelancing कैसे शुरू करें – स्टूडेंट्स गाइड 2025

Top 7 Freelancing Websites for Beginners in India (2025 Guide) in Hindi

10) Long-Term Goals Set na karna Biggest “Students Money Mistakes“

problem

Students Short term pleasure pe focus karte hain (parties, trips). unke paas future goals ka koi plan hi nahi hota jisse wo apne future ke liye kaam bhi nahi karte.

Impact

• Paisa aata jata rehta hai kabhi bhi accumulate nahi ho pata
• students ke life goals disturb ho jaate hain
• aur phir wo baad regret karta hai jisse use strees hota hai

Solution

3 Levels Goals seekho:

• Short term (6-12 months)- new laptop, course , fees etc.
• Medium term (1-3 years)- Foreign Trip, advanced certification etc.
• Long term (5+ years)- down payment for car/ House etc.

Har goal ke liye specific savings plan banao

Practical 7-Day action Plan “Students Money Mistakes“

• DAY 1- Monthly Budget banao
• DAY 2- Savings account kholkar ₹500–₹1000 auto-transfer set karo.
• DAY 3- Emergency fund start karo.
• DAY 4- freelancing plateform par profile banao ya jo tumhe skills aati hai uske hisab se kaam start karo
• DAY 5- Financial Education start karo ya books read karo
• DAY 6- apne skills ke liye ek online course lo but iski koi zaroorat nahi hai kyonki aaj ke time pe Sab free me available hai youtube ya google pe even meri hi website Paisazaroori.com par
• DAY 7- Apne Top 3 financial goals likho aur visual board banao.

Students life me paiso ko manage karna ek long-term investment hai. agar aap abhi se in 10 galtiyon ko avoid karte ho aur choti choti habits build karte ho to aap future me financial stable rahoge .

REMEMBER: paisa kamaane ke liye ya use sahi se ,manage karen ke liye sabse pahle seekhna padta hai kyonki-

“IF YOU LEARN, YOU WILL EARN”

To aaj se hi seekhna start karo Aur apni skills pe dhayan do new chije seekhna start karo.

Thank You…………….

INSTAGRAM-https://www.instagram.com/paisa.zaroori.com_/

YOUTUBE-https://www.youtube.com/@paisazaroori