{"id":3269,"date":"2025-06-30T10:11:18","date_gmt":"2025-06-30T04:41:18","guid":{"rendered":"https:\/\/smartgyantips.in\/?p=3269"},"modified":"2025-06-30T10:11:20","modified_gmt":"2025-06-30T04:41:20","slug":"smart-money-saving-tips-hindi","status":"publish","type":"post","link":"https:\/\/smartgyantips.in\/hi\/smart-money-saving-tips-hindi\/","title":{"rendered":"\u092a\u0948\u0938\u094b\u0902 \u0915\u0940 \u092c\u091a\u0924 \u0915\u0947 9 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0924\u0930\u0940\u0915\u0947 \u091c\u094b \u0939\u0930 \u0915\u094b\u0908 \u0906\u091c \u0938\u0947 \u0905\u092a\u0928\u093e \u0938\u0915\u0924\u093e \u0939\u0948"},"content":{"rendered":"<h1 class=\"wp-block-heading\">\ud83d\udcb0 \u092a\u0948\u0938\u0947 \u0915\u0940 \u0938\u092e\u091d = \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e<\/h1>\n\n\n\n<p>\u0906\u091c \u0915\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 \u0938\u093f\u0930\u094d\u092b \u0915\u092e\u093e\u0928\u093e \u0939\u0940 \u0915\u093e\u092b\u0940 \u0928\u0939\u0940\u0902, <strong>\u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u092c\u091a\u093e\u0928\u093e \u0914\u0930 \u0916\u0930\u094d\u091a \u0915\u0930\u0928\u093e<\/strong> \u092d\u0940 \u092c\u0947\u0939\u0926 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964 \u091a\u093e\u0939\u0947 \u0906\u092a\u0915\u0940 \u0906\u092e\u0926\u0928\u0940 \u0915\u092e \u0939\u094b \u092f\u093e \u091c\u094d\u092f\u093e\u0926\u093e, \u0915\u0941\u091b \u091b\u094b\u091f\u0940-\u091b\u094b\u091f\u0940 \u0906\u0926\u0924\u0947\u0902 \u0906\u092a\u0915\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u092c\u0928\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964 \u0906\u0907\u090f \u091c\u093e\u0928\u0924\u0947 \u0939\u0948\u0902 \u0910\u0938\u0947 9 \u0906\u0938\u093e\u0928 \u0932\u0947\u0915\u093f\u0928 \u092a\u094d\u0930\u092d\u093e\u0935\u0936\u093e\u0932\u0940 \u0924\u0930\u0940\u0915\u0947 \u091c\u094b \u0939\u0930 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0905\u092a\u0928\u0947 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u091c\u0940\u0935\u0928 \u092e\u0947\u0902 \u0906\u091c\u092e\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1. \ud83c\udfaf \u092c\u091c\u091f \u092c\u0928\u093e\u0928\u093e \u0936\u0941\u0930\u0942 \u0915\u0930\u0947\u0902<\/h2>\n\n\n\n<p>\u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902 \u090f\u0915 \u0938\u0930\u0932 \u092c\u091c\u091f \u092c\u0928\u093e\u090f\u0902\u0964 \u0907\u0938\u0938\u0947 \u092f\u0939 \u092a\u0924\u093e \u091a\u0932\u0947\u0917\u093e \u0915\u093f \u0915\u0939\u093e\u0902 \u0916\u0930\u094d\u091a \u091c\u093c\u094d\u092f\u093e\u0926\u093e \u0939\u094b \u0930\u0939\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Google Sheets \u092f\u093e App (Moneyfy, Walnut) \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>Income \u2013 Expense = Saving<\/li>\n\n\n\n<li>\u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0914\u0930 \u0935\u0948\u0930\u093f\u090f\u092c\u0932 \u0916\u0930\u094d\u091a \u0905\u0932\u0917 \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. \ud83d\udcb5 \u0916\u0941\u0926 \u0915\u094b \u092a\u0939\u0932\u0947 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0947\u0902 \u2013 \u201cPay Yourself First\u201d<\/h3>\n\n\n\n<p>\u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902 \u0939\u0940 10-20% \u0906\u092e\u0926\u0928\u0940 \u0938\u0947\u0935\u093f\u0902\u0917 \u0905\u0915\u093e\u0909\u0902\u091f \u092f\u093e \u0928\u093f\u0935\u0947\u0936 \u092e\u0947\u0902 \u0921\u093e\u0932 \u0926\u0947\u0902\u0964<\/p>\n\n\n\n<p><strong>\u092b\u093e\u092f\u0926\u0947:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0940 \u0906\u0926\u0924 \u092c\u0928\u0924\u0940 \u0939\u0948<\/li>\n\n\n\n<li>\u091c\u093c\u0930\u0942\u0930\u0924\u094b\u0902 \u0914\u0930 \u0916\u0930\u094d\u091a \u092e\u0947\u0902 \u0938\u0902\u0924\u0941\u0932\u0928 \u0906\u0924\u093e \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. \ud83c\udfe6 SIP \u0914\u0930 FD \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0947\u0902<\/h3>\n\n\n\n<p>\u091b\u094b\u091f\u0947 \u0928\u093f\u0935\u0947\u0936 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 (\u091c\u0948\u0938\u0947 \u20b9500 \u0938\u0947 \u0936\u0941\u0930\u0942 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u0947 SIP) \u092c\u0921\u093c\u0947 \u092b\u0902\u0921 \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u0909\u0926\u093e\u0939\u0930\u0923:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b9500 \u0915\u0940 SIP 10 \u0938\u093e\u0932 \u092e\u0947\u0902 \u20b91 \u0932\u093e\u0916+ \u092c\u0928 \u0938\u0915\u0924\u0940 \u0939\u0948<\/li>\n\n\n\n<li>FD \u092e\u0947\u0902 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u093f\u091f\u0930\u094d\u0928 \u092e\u093f\u0932\u0924\u093e \u0939\u0948 (6-7% \u0924\u0915)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4. \ud83d\udcc9 \u0916\u0930\u094d\u091a \u092e\u0947\u0902 \u0915\u091f\u094c\u0924\u0940 \u091c\u0939\u093e\u0902 \u091c\u0930\u0942\u0930\u0940 \u0939\u094b<\/h3>\n\n\n\n<p>\u0915\u092d\u0940-\u0915\u092d\u0940 \u091b\u094b\u091f\u0947-\u091b\u094b\u091f\u0947 \u0916\u0930\u094d\u091a (\u091c\u0948\u0938\u0947 \u092c\u093e\u0930-\u092c\u093e\u0930 \u092c\u093e\u0939\u0930 \u0916\u093e\u0928\u093e, \u0911\u0928\u0932\u093e\u0907\u0928 \u0936\u0949\u092a\u093f\u0902\u0917) \u092e\u093f\u0932\u0915\u0930 \u092c\u0921\u093c\u093e \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u0915\u094d\u092f\u093e \u0915\u0930\u0947\u0902:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0928\u094b \u0938\u094d\u092a\u0947\u0902\u0921 \u0921\u0947 (\u0938\u092a\u094d\u0924\u093e\u0939 \u092e\u0947\u0902 \u090f\u0915 \u0926\u093f\u0928 \u0915\u094b\u0908 \u0916\u0930\u094d\u091a \u0928\u0939\u0940\u0902)<\/li>\n\n\n\n<li>\u0915\u0949\u092b\u0940, OTT \u0938\u092c\u094d\u0938\u0915\u094d\u0930\u093f\u092a\u094d\u0936\u0928 \u0915\u092e \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">5. \ud83d\udce6 \u0925\u094b\u0915 \u092e\u0947\u0902 \u0916\u0930\u0940\u0926\u0947\u0902 \u0914\u0930 \u0921\u093f\u0938\u094d\u0915\u093e\u0909\u0902\u091f \u0915\u093e \u0938\u0939\u0940 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0947\u0902<\/h3>\n\n\n\n<p>\u092e\u0939\u0940\u0928\u0947 \u092d\u0930 \u0915\u0947 \u0938\u093e\u092e\u093e\u0928 \u0915\u094b \u090f\u0915 \u0938\u093e\u0925 \u0916\u0930\u0940\u0926\u0928\u093e \u0905\u0915\u094d\u0938\u0930 \u0938\u0938\u094d\u0924\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u091f\u093f\u092a:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cashback, UPI offers \u0914\u0930 Credit Card points \u0915\u093e \u0938\u0939\u0940 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u092a\u0930 \u0938\u093e\u0935\u0927\u093e\u0928 \u0930\u0939\u0947\u0902 \u2014 \u0938\u093f\u0930\u094d\u092b \u091c\u093c\u0930\u0942\u0930\u0940 \u091a\u0940\u091c\u0947\u0902 \u0939\u0940 \u0916\u0930\u0940\u0926\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">6. \ud83d\udcf2 \u092a\u0930\u094d\u0938\u0928\u0932 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0910\u092a\u094d\u0938 \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0947\u0902<\/h3>\n\n\n\n<p>\u0906\u091c\u0915\u0932 \u0910\u0938\u0947 \u0915\u0908 \u0910\u092a\u094d\u0938 \u0939\u0948\u0902 \u091c\u094b \u0906\u092a\u0915\u094b \u091f\u094d\u0930\u0948\u0915\u093f\u0902\u0917 \u0914\u0930 \u092c\u091a\u0924 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><strong>\u0938\u0941\u091d\u093e\u0935:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Groww (\u0928\u093f\u0935\u0947\u0936)<\/li>\n\n\n\n<li>Goodbudget \u092f\u093e Moneyfy (\u092c\u091c\u091f \u091f\u094d\u0930\u0948\u0915\u093f\u0902\u0917)<\/li>\n\n\n\n<li>KreditBee (\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u091f\u094d\u0930\u0948\u0915\u093f\u0902\u0917)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">7. \ud83d\udeab \u0915\u0930\u094d\u091c \u0938\u0947 \u092c\u091a\u0947\u0902<\/h3>\n\n\n\n<p>\u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0939\u0948, \u0924\u094b \u092a\u0942\u0930\u0947 \u092e\u0939\u0940\u0928\u0947 \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 \u0938\u092e\u092f \u092a\u0930 \u0915\u0930\u0947\u0902\u0964 \u092c\u093f\u0928\u093e \u091c\u0930\u0942\u0930\u0924 \u0932\u094b\u0928 \u0932\u0947\u0928\u093e \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u092c\u094b\u091d \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0924\u0930\u0940\u0915\u093e:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u093f\u0930\u094d\u092b EMI \u0905\u092b\u094b\u0930\u094d\u0921\u0947\u092c\u0932 \u0939\u094b \u0924\u094b \u0939\u0940 \u0932\u094b\u0928 \u0932\u0947\u0902<\/li>\n\n\n\n<li>\u0915\u094b\u0908 \u092d\u0940 \u092c\u094d\u092f\u093e\u091c-\u092f\u0941\u0915\u094d\u0924 \u0916\u0930\u094d\u091a \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u092e\u0947\u0902 \u0928 \u0930\u0916\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">8. \ud83c\udf81 \u0905\u0928\u093e\u0935\u0936\u094d\u092f\u0915 \u0917\u093f\u092b\u094d\u091f\u093f\u0902\u0917 \u0914\u0930 \u092a\u093e\u0930\u094d\u091f\u0940 \u0916\u0930\u094d\u091a \u092a\u0930 \u0915\u0902\u091f\u094d\u0930\u094b\u0932<\/h3>\n\n\n\n<p>\u0938\u092e\u093e\u091c \u092f\u093e \u0930\u093f\u0936\u094d\u0924\u094b\u0902 \u0915\u0947 \u0926\u092c\u093e\u0935 \u092e\u0947\u0902 \u0906\u0915\u0930 \u092b\u093f\u091c\u0942\u0932 \u0916\u0930\u094d\u091a \u0928 \u0915\u0930\u0947\u0902\u0964<\/p>\n\n\n\n<p><strong>\u0915\u094d\u092f\u093e \u0915\u0930\u0947\u0902:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Homemade gifts<\/li>\n\n\n\n<li>\u091b\u094b\u091f\u0947 \u0932\u0947\u0915\u093f\u0928 \u0938\u091a\u094d\u091a\u0947 \u0907\u0936\u093e\u0930\u0947 (thank-you note, \u0938\u092e\u092f \u0926\u0947\u0928\u093e)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">9. \ud83e\uddd8 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u092c\u0928\u093e\u090f\u0902<\/h3>\n\n\n\n<p>\u0915\u092e \u0938\u0947 \u0915\u092e 3-6 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u0916\u0930\u094d\u091a \u0930\u093e\u0936\u093f \u090f\u0915 \u0905\u0932\u0917 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0930\u0916\u0947\u0902\u0964<\/p>\n\n\n\n<p><strong>\u092b\u093e\u092f\u0926\u0947:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0928\u094c\u0915\u0930\u0940 \u091b\u0942\u091f\u0928\u0947 \u092f\u093e \u092e\u0947\u0921\u093f\u0915\u0932 \u0916\u0930\u094d\u091a \u092e\u0947\u0902 \u092e\u0926\u0926<\/li>\n\n\n\n<li>\u092e\u093e\u0928\u0938\u093f\u0915 \u0936\u093e\u0902\u0924\u093f<\/li>\n<\/ul>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list\">\n<div id=\"faq-question-1751258140344\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Q1: \u092e\u0948\u0902 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u20b915,000 \u0915\u092e\u093e\u0924\u093e \u0939\u0942\u0902, \u0915\u094d\u092f\u093e \u0938\u0947\u0935\u093f\u0902\u0917 \u092e\u0941\u092e\u0915\u093f\u0928 \u0939\u0948?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>\u092c\u093f\u0932\u0915\u0941\u0932! 10% \u092f\u093e\u0928\u093f \u20b91,500 \u092d\u0940 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751258154669\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Q2: SIP \u092e\u0947\u0902 \u092a\u0948\u0938\u093e \u0921\u0942\u092c \u0938\u0915\u0924\u093e \u0939\u0948?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>\u0932\u0949\u0928\u094d\u0917 \u091f\u0930\u094d\u092e \u092e\u0947\u0902 SIP \u0938\u0947 \u0905\u091a\u094d\u091b\u093e \u0930\u093f\u091f\u0930\u094d\u0928 \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u0930\u093f\u0938\u094d\u0915 \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948 \u092f\u0926\u093f \u0938\u0939\u0940 \u092b\u0902\u0921 \u091a\u0941\u0928\u0947\u0902\u0964<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751258168012\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Q3: \u0915\u094d\u092f\u093e FD \u0906\u091c \u0915\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 \u0938\u0939\u0940 \u0939\u0948?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>\u0939\u093e\u0901, \u092f\u0926\u093f \u0906\u092a \u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u093f\u091f\u0930\u094d\u0928 \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b FD \u090f\u0915 \u0905\u091a\u094d\u091b\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948\u0964<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h4 class=\"wp-block-heading\">\u2705 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u091f\u093f\u092a\u094d\u0938<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0916\u0930\u094d\u091a \u0915\u0930\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 24 \u0918\u0902\u091f\u0947 \u0915\u093e \u0930\u0942\u0932 \u0905\u092a\u0928\u093e\u090f\u0902<\/li>\n\n\n\n<li>\u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0916\u0930\u094d\u091a \u0915\u0940 \u0938\u092e\u0940\u0915\u094d\u0937\u093e \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u0916\u0941\u0926 \u0915\u094b \u091b\u094b\u091f\u0947-\u091b\u094b\u091f\u0947 \u0938\u0947\u0935\u093f\u0902\u0917 \u091f\u093e\u0930\u0917\u0947\u091f\u094d\u0938 \u0926\u0947\u0902<\/li>\n\n\n\n<li>\u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0921\u093f\u0938\u0940\u091c\u0928 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h5 class=\"wp-block-heading\">\u26a0\ufe0f \u0938\u093e\u0935\u0927\u093e\u0928\u093f\u092f\u093e\u0901<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0926\u094b\u0938\u094d\u0924\u094b\u0902 \u0938\u0947 \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0926\u094b \u092c\u093e\u0930 \u0938\u094b\u091a\u0947\u0902<\/li>\n\n\n\n<li>\u0928\u093f\u0935\u0947\u0936 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0930\u093f\u0938\u0930\u094d\u091a \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u0938\u093f\u0930\u094d\u092b \u092c\u094d\u0930\u093e\u0902\u0921 \u0928\u093e\u092e \u0926\u0947\u0916\u0915\u0930 \u092e\u0939\u0902\u0917\u0940 \u091a\u0940\u091c\u093c \u0928 \u0916\u0930\u0940\u0926\u0947\u0902<\/li>\n\n\n\n<li>\u201cBuy Now, Pay Later\u201d \u0938\u094d\u0915\u0940\u092e \u0938\u0947 \u0926\u0942\u0930 \u0930\u0939\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h6 class=\"wp-block-heading\">\ud83d\udd1a \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/h6>\n\n\n\n<p>\u0938\u094d\u092e\u093e\u0930\u094d\u091f \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u0915\u093e \u092e\u0924\u0932\u092c \u0938\u093f\u0930\u094d\u092b \u092a\u0948\u0938\u093e \u092c\u091a\u093e\u0928\u093e \u0928\u0939\u0940\u0902, \u092c\u0932\u094d\u0915\u093f \u0938\u092e\u091d\u0926\u093e\u0930\u0940 \u0938\u0947 \u0916\u0930\u094d\u091a \u0914\u0930 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u0915\u0930\u0928\u093e \u0939\u0948\u0964 \u0906\u092a \u091a\u093e\u0939\u0947 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0906\u092f \u0935\u0930\u094d\u0917 \u0938\u0947 \u0939\u094b\u0902, \u092f\u0947 9 \u0939\u0948\u092c\u093f\u091f\u094d\u0938 \u0905\u092a\u0928\u093e\u0915\u0930 \u0906\u092a \u0928 \u0915\u0947\u0935\u0932 \u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u092e\u091c\u092c\u0942\u0924 \u092c\u0928 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u092c\u0932\u094d\u0915\u093f \u092e\u093e\u0928\u0938\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u092d\u0940 \u0936\u093e\u0902\u0924\u093f \u092a\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u091c\u093e\u0928\u093f\u090f \u0910\u0938\u0947 9 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u091f\u093f\u092a\u094d\u0938 \u091c\u094b \u0906\u092a\u0915\u0940 \u0906\u092e\u0926\u0928\u0940 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0916\u0924\u0947 \u0939\u0941\u090f \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u092e\u091c\u092c\u0942\u0924 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0947\u0902\u0917\u0947\u0964<\/p>","protected":false},"author":1,"featured_media":3271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[209],"tags":[305,307,308,306],"class_list":["post-3269","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-smart-finance","tag-305","tag-307","tag-308","tag-306"],"_links":{"self":[{"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/posts\/3269","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/comments?post=3269"}],"version-history":[{"count":2,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/posts\/3269\/revisions"}],"predecessor-version":[{"id":3272,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/posts\/3269\/revisions\/3272"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/media\/3271"}],"wp:attachment":[{"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/media?parent=3269"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/categories?post=3269"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/tags?post=3269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}