BEST WAYS TO SAVE MONEY | HOW TO SAVE INCOME TAX IN INDIA UPTO 5 LAKH | HOW TO GET DISCOUNT ON CLOTHS , SWIGY ZOMATO AND FLIGHT TICKET

DISCOUNT , TAX ,INTEREST RATE  

 HOW TO GET 15 % DISCOUNT ON ALL PRODUCT 

Apple provides 15% discount  to all its employees who working with them on all its products. If any of your friend, friend relative, any one in your knowledge was working in apple company, yes you all can get 15% discount on any Apple product on any product.
                                                                     OR IN HINDI 
एपल अपने सभी कर्मचारी को 15% डिस्काउंट डेटा हा अपने सभी प्रोडक्ट पे। अगर आपका कोई दोस्त, दोस्त रिश्तेदार कोई भी आपकी जानकारी में ऐप्पल कंपनी में काम क्रथा हा तू आप सबी एप्पल के कोई भी उत्पाद पीई 15% छूट ले सकता है किसी भी उत्पाद पे 

SECERT TRICK TO GET 40 PERCENT DISCPOUNT ON SWIGY AND  ZOMATO

अगर आप लोग स्विगी या ज़ोमैटो से ऑर्डर करते हैं तो करे हो तू आपको खाना महंगा मिल्था हा कुआकी जोमोटा और स्विगी फूड के प्राइस मी 40 प्रतिशत कीमत बड़ा डेटा हा कुआकी उने डिलीवरी चार्जो हता (यूएसए के रूप में इस्तेमाल किया जाता है) डिलीवरी शुल्क का भुगतान करने के लिए) और जोमाटो और स्विगी अपना भी प्रॉफिट कार्थे मुझे एक आयोग के रूप में अगर आप बहार जेक फूड ला स्केथे हा तो बहार से लाओ और इस तरह आप 40 प्रतिशत छूट बचाते हैं या प्राप्त करते हैं।

 HOW TO SAVE MONEY  OR REFUND FROM APPLE

सेब में ये नीति हा की अगर आपके (ग्राहक) के फोन लेने का बाद  14 दिनों के भीतर अगर फोन की कीमत नीचे होती है तो आप जीतना रिड्यूस हुआ हा उसका रिफंड करता हा। यह Apple की नीति है, दुकानदार की नीति नहीं है। इस नीति के अनुसार दुकानदार को ग्राहक को कम किया गया पैसा वापस करना होगा 
                                                                OR IN ENGLISH 

Apple has this policy that if the price of the phone goes down within 14 days after your (customer) pick up the phone, then you win, reduce it or refund it. This is Apple's policy, not a shopper's policy. According to this policy, the shopkeeper has to return the reduced money to the customer.


HOW TO GET BIG DISCOUNT ON THE AIRPLANE FLIGHT 

IF YOU BOOK SPICE  JET TICKET FROM A BUSINESS TICKET AND GO FIRST PROVIDE FOR DISCOUNT ON THE BUSINESS ID .  IF YOU ORDER FROM THE NORMAL ACCOUNT ASSUME THE PRICE WILL BE 8200 INCLUDING CANCEL TICKET CHARGES AND MEAL . BUT WHEN YOU ORDER THE SAME FLIGHT WITH BUSINESS ID RYOU WILL GET   7800 INCLUDUNG CANCEL TICKET CHARGES AND MEAL IF YOU DONT WANT MEAL AND CANCEL TICKET CHARGES WOULD BE 7500  . IN MOST OF THE TRAVEL WEBSITE YOU DONT NEED PAN AND GST NUMNER BUT JUST ONLY NEED AN BUSINESS ID 

                                                        OR IN HINDI 

यदि आप एक बिजनेस टिकट से स्पाइस जेट टिकट बुक करते हैं और पहले बिजनेस आईडी पर छूट प्रदान करते हैं। यदि आप सामान्य खाते से ऑर्डर करते हैं तो मान लें कि टिकट टिकट शुल्क और भोजन सहित कीमत 8200 होगी। लेकिन जब आप व्यवसाय आईडी के साथ एक ही उड़ान का आदेश देते हैं तो आपको 7800 टिकट रद्द करने का शुल्क और भोजन मिलेगा यदि आप भोजन नहीं चाहते हैं और टिकट रद्द करने का शुल्क 7500 होगा। अधिकांश यात्रा वेबसाइट में आपको पैन और जीएसटी नंबर की आवश्यकता नहीं होती है, लेकिन केवल एक व्यावसायिक आईडी की आवश्यकता होती है

HOW TO SAVE TAX ON STOCK MARKET PROFIT  

IF YOU BOOKED A HUGE PROFIT OF SELLING YOUR  SHARE YOU HAVE TO 10 PERCENT TAX  ON THE PROFIT  BUT YOU CAN SAVE THIS TAX BY BUYING RESIDENTAL PORPERTY FROM THE LONF TERM CAPITAL GAIN PROFIT  THEN YOU HAVE NOT  TO PAY THE TAX . SECTION54F OF INCOME TAX ACT GIVE YOU DEDUCTION AGANIST LONG TERM CAPITAL GAIN IF YOU INVEST THE SAME AMOUNT IN RESIDENTAL PROPERTY 
                                                       OR IN HINDI  
दि आपने अपना शेयर बेचने का एक बड़ा लाभ बुक किया है, तो आपको लाभ पर 10 प्रतिशत कर लगता है, लेकिन आप इस टैक्स को लोन टर्म कैपिटल गेन प्रॉफिट से आवासीय संपत्ति खरीदकर बचा सकते हैं जो आपको भुगतान करने के लिए नहीं है। यदि आप आवासीय संपत्ति में समान राशि का निवेश करते हैं तो आयकर अधिनियम की धारा 54एफ आपको लंबी अवधि के पूंजीगत लाभ की तुलना में कटौती प्रदान करती है


HOW TO GET CHANGE PHYSICAL FORM SHARE INTO DEMATERIALISED FORM . WHYS IT IMPORATAMT 

LETS ASUME YOU FOUND A TCS SHARE IN YOUR OLD ALMIRAH . THIS  SHARE HAD BOUGHT IN THE YEAR 1992 . THIS IS THE PHYSICAL FORM BECAUSE IN 1992 ALL THE SHARE TRADING HAS DONE IN THE PHYSICALLY BUT NOW ALL THE WORK HAS BEEN DIGITALISED IN THAT YOU HAVE TO TURN THIS PHHYSICAL SHARE INTO THE DEMATERIALISED FORM BECAUSE PHYSICALLY SHARE HAS NOT BEEN SELL TODAY .

HOW TO CHANGE PHYSICAL SHARE INTO DEMATERIALISED FORM

FIRST YOU WILL REQUIRE ONE DEMAT ACCOUNT AND THEN YOU WILL NEED TO FILL DRF FORM  

 HouSe Rent Allowance (HRA)

For those who live in a rented house/apartment, can claim HRA to lower tax outgo. HRA is partially or completely exempt from taxes.

 Employee Contribution to Provident Fund (PF)

Provident Fund is a social security initiative where the employer and employee contribute an equal amount every month toward employee’s pension and provident fund. This is 12% of the basic salary. The government decides the interest rate which is about 8.65%. Therefore, upon maturity, the returns are exempted from tax. Also, EPF contributions can be claimed for TAX UNDER 80 C   Tax Act.

 RULES TO CONSIDER WHEN TAKING A CAR LOAN  

 1)  20 PERCENT OF THE CAR PRICE SHOUD BE PAID YOURSELF
 
2) YOUR CAR  LOAN DURATION SHOULD BE MAXIMUM OF 4 YEARS 

3) YOUR CAR LOAN EMI SHOULD NOT BE MORE THAN  10 PERCENT OF YOUR MONTHLY INCOME 

HOW TO GET 15 PERCENT DISCOUNT ON THE NEW CLOTH 

H AND M  COMPANY STORE GIVE 15 DISCOUNT COUPON ON THE OLD CLOTH AND EXCHANGE A OLD CLOTH FOR A NEW CLOTH . JUST YOYU HAVE TO DO PACK THE OLD CLOTH IN THE MEDIUM SIZE PAPER BAG GIVE ON A COUNTER AND THE YOU WILL FOUND A 15 PERCENT COUPON 
  

HOW TO SAVE MONEY AS A STUDENT 

IN A STUDENT LIFE YOU DONT NEED SUCH MONEY BUT U HAVE TO SAVE MONEY FOR YOUR FUTURE . NOW WE ARE GOING TO TELL YPU HOW TO SAVE MONEY AS THE STUDENT . IN OURR CHILDHOOD YOUR PARENT AND RELATIVES  GIVE YOU MONEY ON YOURS BIRTHDAY LIKE 2000 TO 3000 BY THIS FORMULA 60: 40 RATIO YOU CAN SAVE MONEY YPU HAVE TO SAVE 60 PERCENT MONEY AND SPENT 40 : MONEY ON YOUR BIRTHDAY : AND COMING UP TO THE AGE 17-18 U HAVE SAVE ALMOST 50000  AND THEN  U CAN INVEST THAT MONEY  IN STOCK AND LEARN COMPUNDING AND YOU ALSO GET YOUR POCKET MONEY AND IN THIS WE DONT HAVE ADD THE FESTIVALS MONEY AND POCKET MONEY . THIS IS HOW YOU SAVE MONEY AS A STUDENT 


CLEVER WAYS TO SAVE MONEY 

1) YOU CAN INVEST THE MONEY IN STOCK MARKET . 
2) YOU CAN INVEST THE SUPLASS MONEY IN LAND 
3) AND YOU CAN MAKE A FD FROM THIS MONEY  IN A SMALL BANK EHICH GIVE 7-8 PERCENT   BUT ON A HIGH RISK BUT RBI GIVES A 5 LAKH ISSURANCE 
4) INVEST THAT TO GRAB THE FINIACIAL KNOWLEDGE 
5 INVEST IN ASSEST THAT GIVE YOU MONEY WHEN YOU ARE SLEEPING 


HOW TO SAVE MORE  MONEY EACH MONTH  

YOU CAN SAVE MONEY EACH MONTH BY MAKING A PORPER BUDGET OF A MONEY AND THAT A SURPLASS MONEY IN LEFT.  MAKING A 70: 30 RULE IN THIS U HAVE TO  USE THAT MONEY IN INVESTING IN THAT MONEY IN STOCK WHICH 10 TO 12 PERCENT RETURN PER YEAR AND  REST OF THE 30 PERCENT LEFT 10 PERCENT MONEY AT HOME 
AND 20 PERCENT IN THE FD IN BANKS 


WAYS OF SAVING MONEY 


 Calculate purchases by hours worked instead of cost. This mental math tactic really helps you to #ThinkLikeASaver. Take the amount of the item you want to purchase and divide it by your hourly wage. For example, if you’re considering a $50 pair of shoes and you make $10 an hour, ask yourself if those shoes are worth working for five hours. Sometimes they are, sometimes they won’t be.

 Unsubscribe. Avoid temptation by unsubscribing from marketing emails and texts from the stores where you spend the most money. By law, each marketing email is required to have an unsubscribe link, usually at the bottom of the email or you can reply to any text with STOP, and that should opt you out of their list.

. Place a reminder on your card. Remind yourself to think through every purchase by covering your card with a savings prompt such as, "Have you met your savings goal for the month?" Write the message on a piece of masking tape or colorful washi tape on your card.

 Participate in a local Investment Development Account (or IDA) program. If your income is low, you may be eligible to participate in an IDA program where your savings are matched. In return for attending financial education sessions and planning to save for a home, education, or business, you typically receive at least $1 for every $1 you save, and sometimes much more. That means $25 saved each month could become several hundred dollars by the end of the year. 















                              








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