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Family Budget

Author(s):  Vinayak Kulkarni

आवक जावक, जमाखर्च हे शब्द वरकरणी रुक्ष वाटले तरी जीवन व्यवहारात अतिशय महत्त्वाचे आहेत. संसाराचा गाडा सुरळीतपणे चालवायचा म्हणजे जमाखर्चाचा ताळेबंद मांडायला हवाच ! घरातील कर्त्या व्यक्तींनी एकत्र बसून आर्थिक अंदाजपत्रक आखले पाहिजे. आपली मिळकत आणि खर्चाचा मेळ घालण्यासाठी काटेकोर नियोजनाची गरज आहे. म्हणूनच प्रत्येक कुटुंबाचे फॅमिली बजेट असणे आणि त्यानुसार खर्चाची तरतूद करणे आवश्यक आहे. हे फॅमिली बजेट कसे आखावे, त्यासाठी नेमके कोणते मुद्दे विचारात घ्यावे, वयाच्या कोणत्या टप्प्यावर बचतीचा मार्ग निवडावा, खर्च करताना नेमके प्राधान्य कशाला द्यावे, कुटुंबातील ज्येष्ठांपासून लहान मुलांपर्यंत सर्वांसाठी आरोग्य विमा कसा आवश्यक आहे, पारंपरिक बचतीच्या पर्यायांबरोबर नवीन उपाय कोणते, अशा विविध गोष्टींचे सखोल मार्गदर्शन देणारे हे पुस्तक आहे. याबरोबरच दिव्यांग व्यक्तींसाठी आर्थिक आखणी, आधुनिक विचारसरणी असलेल्या तरुण तरुणींसाठी आर्थिक नियोजन, ज्येष्ठ नागरिकांचे लिव्हिंग विल, त्यांच्या वाढत्या खर्चाचे नियोजन, याबद्दल मोलाचे मार्गदर्शन या पुस्तकात करण्यात आले आहे.

 

Although terms like income, expenses, and budgeting may seem dry at first glance, they are extremely important in practical life. To ensure that the household runs smoothly, it is essential to maintain a proper balance sheet of income and expenditure.

The responsible members of the family should sit together and plan a financial budget. Careful planning is necessary to balance earnings and expenses. Therefore, every family must have a family budget and make provisions for spending accordingly.

This book provides in-depth guidance on how to create a family budget, what key factors should be considered, at what stage of life one should start saving, and what should be prioritized while spending. It also explains the importance of health insurance for every family member—from elders to young children.

In addition, the book offers valuable insights into new financial strategies alongside traditional saving options. It also covers financial planning for differently-abled individuals, modern financial planning for young men and women, and important topics such as living wills for senior citizens and planning for their increasing expenses.

Overall, this book serves as a comprehensive guide to effective financial planning for individuals and families.

Book Format

Paperback
In Stock
₹200.00
Published on 26/07/2025 | 144 Pages
Available on other Platform as well
AMAZON

आवक जावक, जमाखर्च हे शब्द वरकरणी रुक्ष वाटले तरी जीवन व्यवहारात अतिशय महत्त्वाचे आहेत. संसाराचा गाडा सुरळीतपणे चालवायचा म्हणजे जमाखर्चाचा ताळेबंद मांडायला हवाच ! घरातील कर्त्या व्यक्तींनी एकत्र बसून आर्थिक अंदाजपत्रक आखले पाहिजे. आपली मिळकत आणि खर्चाचा मेळ घालण्यासाठी काटेकोर नियोजनाची गरज आहे. म्हणूनच प्रत्येक कुटुंबाचे फॅमिली बजेट असणे आणि त्यानुसार खर्चाची तरतूद करणे आवश्यक आहे. हे फॅमिली बजेट कसे आखावे, त्यासाठी नेमके कोणते मुद्दे विचारात घ्यावे, वयाच्या कोणत्या टप्प्यावर बचतीचा मार्ग निवडावा, खर्च करताना नेमके प्राधान्य कशाला द्यावे, कुटुंबातील ज्येष्ठांपासून लहान मुलांपर्यंत सर्वांसाठी आरोग्य विमा कसा आवश्यक आहे, पारंपरिक बचतीच्या पर्यायांबरोबर नवीन उपाय कोणते, अशा विविध गोष्टींचे सखोल मार्गदर्शन देणारे हे पुस्तक आहे. याबरोबरच दिव्यांग व्यक्तींसाठी आर्थिक आखणी, आधुनिक विचारसरणी असलेल्या तरुण तरुणींसाठी आर्थिक नियोजन, ज्येष्ठ नागरिकांचे लिव्हिंग विल, त्यांच्या वाढत्या खर्चाचे नियोजन, याबद्दल मोलाचे मार्गदर्शन या पुस्तकात करण्यात आले आहे.


 


Although terms like income, expenses, and budgeting may seem dry at first glance, they are extremely important in practical life. To ensure that the household runs smoothly, it is essential to maintain a proper balance sheet of income and expenditure.


The responsible members of the family should sit together and plan a financial budget. Careful planning is necessary to balance earnings and expenses. Therefore, every family must have a family budget and make provisions for spending accordingly.


This book provides in-depth guidance on how to create a family budget, what key factors should be considered, at what stage of life one should start saving, and what should be prioritized while spending. It also explains the importance of health insurance for every family member—from elders to young children.


In addition, the book offers valuable insights into new financial strategies alongside traditional saving options. It also covers financial planning for differently-abled individuals, modern financial planning for young men and women, and important topics such as living wills for senior citizens and planning for their increasing expenses.


Overall, this book serves as a comprehensive guide to effective financial planning for individuals and families.

Vinayak Kulkarni

लेखक परिचय

विनायक कुळकर्णी

३०२, अॅव्हॉन गॅलेक्सी, हॉटेल सुस्वागतजवळ, दत्तपाडा रोड, बोरिवली (पूर्व),  मुंबई-४०० ०६६

· रसायनशास्त्रात पदवी आणि 'फायनान्शियल अॅडव्हायझिंग' विषयातील  पदव्युत्तर पदविका

· गुंतवणूक समुपदेशक आणि आर्थिक व्यवस्थापन मार्गदर्शक

· विविध दैनिके आणि साप्ताहिकांतून अर्थभान जागविणारे व गुंतवणुकीवर  मार्गदर्शन करणारे सुमारे २६००हून अधिक लेख व लेखमाला प्रकाशित

· एकूण २९ पुस्तके प्रकाशित. त्यांपैकी आर्थिक विषयावरील १८ पुस्तके. बालकथा,  बालनाट्ये, एकांकिका संग्रह आणि नाटके असे विपुल लेखन

· आकाशवाणी, मुंबई केंद्रात गंमतजंमत, बालदरबार, युवावाणी, अर्थवाणी,  कामगार सभा या कार्यक्रमांसाठी एकूण १६० हून अधिक श्रुतिकांचे लेखन व  सादरीकरण. मॉस्को रेडिओवर दोन बालनाट्ये सादर

· विविध वाहिन्यांवरील अर्थविषयक कार्यक्रमांत सहभाग

· 'आर्थिक साक्षरता' या विषयावर महाराष्ट्रभर व्याख्याने. टाटा स्टील, ओबेरॉय  हॉटेल, फिलिप्स इंडिया यांसारख्या अनेक प्रख्यात उद्योगसंस्था, टाटा कॅन्सर  रुग्णालय, भारतीय नौदल, बीएआरसी येथील तसेच इतर अनेक संस्थांतील  कर्मचाऱ्यांसाठी आर्थिक समुपदेशन

· मुंबई मराठी पत्रकार संघ, सारस्वत चैतन्य ट्रस्ट, लायन्स क्लब, मराठी

· 'आर्थिक साक्षरता' या विषयावर महाराष्ट्रभर व्याख्याने. टाटा स्टील, ओबेरॉय  हॉटेल, फिलिप्स इंडिया यांसारख्या अनेक प्रख्यात उद्योगसंस्था, टाटा कॅन्सर रुग्णालय,  भारतीय नौदल, बीएआरसी येथील तसेच इतर अनेक संस्थांतील कर्मचाऱ्यांसाठी  आर्थिक समुपदेशन

· मुंबई मराठी पत्रकार संघ, सारस्वत चैतन्य ट्रस्ट, लायन्स क्लब, मराठी वृत्तपत्र  लेखक संघ यांच्या पुरस्कारांनी आणि मुंबई नगरपाल तसेच भारत सरकारच्या वित्त  मंत्रालयाकडून सन्मानपत्रांनी गौरव

· २०१८, २०१९ आणि २०२३मध्ये अनुक्रमे 'अर्थभान बँकिंग आणि विमा', 'कर्जभान',  आणि 'अर्थमेळ' या तीन पुस्तकांचा 'आर्थिक विषयावरील सर्वोत्कृष्ट पुस्तके' म्हणून  महाराष्ट्र साहित्य परिषदेतर्फे 'कै. सुभाष हरि देशमुख स्मृती पुरस्कार' देऊन गौरव.

Vinayak Kulkarni

302, Avon Galaxy,

Near Hotel Suswagat, Dattapada Road,

Borivali (East), Mumbai – 400066


  • Holds a Bachelor’s degree in Chemistry and a Postgraduate Diploma in Financial Advising.

  • Works as an investment counselor and financial management guide.

  • Has published more than 2,600 articles and article series in various daily newspapers and weekly magazines, creating awareness about financial literacy and providing guidance on investments.

  • Has authored 29 books in total, including 18 books on financial subjects. His writing also includes children’s stories, children’s plays, one-act play collections, and full-length plays.

  • For All India Radio, Mumbai, he has written and presented over 160 radio features for programs such as Gammat Jammat, Bal Darbar, Yuvavani, Arthavani, and Kamgar Sabha.

  • Two children’s plays were also broadcast on Moscow Radio.

  • Has participated in financial programs on various television channels.

  • Delivers lectures across Maharashtra on the topic of financial literacy.

  • Has provided financial counseling to employees of several renowned organizations such as Tata Steel, Oberoi Hotels, Philips India, Tata Memorial Hospital, the Indian Navy, and BARC, along with many other institutions.

  • Honored with awards from organizations including the Mumbai Marathi Patrakar Sangh, Saraswat Chaitanya Trust, Lions Club, and the Marathi Newspaper Writers’ Association, and also received certificates of recognition from the Mayor of Mumbai and the Ministry of Finance, Government of India.

  • In 2018, 2019, and 2023, his books “Arthabhan Banking ani Vima,” “Karjabhān,” and “Arthamel” respectively received the “Late Subhash Hari Deshmukh Memorial Award” from the Maharashtra Sahitya Parishad for being recognized as the best books on financial subjects.
Publisher

Sakal Prakashan

Author

Vinayak Kulkarni

Language

Marathi

ISBN

9789349487208

Binding
  • Paperback
Pages

144

Publication Year

26/07/2025

Dimensions
5.5 x 8.5

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