🧾 Monthly Income Breakdown (₹18,000)
| Expense/Investment | Amount | Notes |
|---|---|---|
| Family Support | ₹5,000 | Fixed |
| Personal Expense | ₹3,000 | Mobile, Transport, Food |
| Savings + Investment | ₹10,000 | Smartly split below |
📅 Yearly Plan Overview
| Phase | Duration | Focus |
|---|---|---|
| Phase 1 | 0–6 Months | Learning + Saving ₹20K |
| Phase 2 | 6–12 Months | Business Launch Prep + Investment Growth |
| Phase 3 | Year 2–3 | Business Scaling + Job Exit Plan |
🧠 PHASE 1 (0–6 MONTHS)
🎯 Goals:
-
₹20,000 saving by month 6
-
Skill learning (web design + freelancing)
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Blogging + Meesho growth
💸 Monthly Investment Plan:
| Area | Amount | Platform |
|---|---|---|
| Saving | ₹3,500 | Bank FD or Liquid Fund |
| SIP (Mutual Fund) | ₹1,000 | Groww / Zerodha / Paytm |
| Learning (Skill) | ₹1,500 | Udemy, YouTube |
| Blogging Website | ₹500 | Domain + Hosting |
| Emergency Buffer | ₹500 | UPI-linked bank a/c |
✅ Skill Learning Suggestion:
-
Web Design: HTML, CSS, WordPress, Canva
-
Freelancing: Fiverr, Upwork, Freelancer.com
-
Free Course Ideas: freecodecamp.org, YouTube - "Web design full course"
✅ Blogging Start:
-
Blogger.com (Free) ya WordPress (₹500/month)
-
Niche: Fashion, Kurta Pajama styling, Business Ideas, Local Culture
-
Daily 1 post = 180 posts in 6 months = AdSense approval possible
📦 PHASE 2 (6–12 MONTHS)
🎯 Goals:
-
Start Amazon/Flipkart selling
-
Launch dropshipping test store
-
Freelancing income ₹2K–₹5K/month
-
Investment increase 10% monthly
📊 Monthly Investment Plan (Updated):
| Area | Amount | Notes |
|---|---|---|
| Reinvest in Business | ₹3,000 | Inventory / Packaging / Ads |
| SIP Increase | ₹1,200 | 10% monthly increase |
| Dropshipping Store Setup | ₹1,000 | Shopify Trial + Domain |
| Paid Marketing | ₹1,000 | Instagram, Facebook ads |
| Emergency Saving | ₹1,000 | Backup fund |
✅ Dropshipping Setup Plan:
-
Niche: Kurta Pajama, Desi wear, or trending fashion
-
Shopify + Printrove or GlowRoad tie-up
-
Focus on Instagram Reels, WhatsApp orders
✅ Amazon/Flipkart Selling
-
GST registration (can be free via CA support)
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Product listing + Packaging tie-up with local supplier
-
Shiprocket or Amazon Easy Ship for logistics
✅ Freelancing Start:
-
Fiverr gig banayein: “Landing Page in ₹999” / “1 Page Website Design”
-
Portfolio banayein using Canva + free hosting
📈 PHASE 3 (2nd to 3rd Year)
🎯 Job Chhodne Ka Goal:
-
Monthly business income ₹15K–₹20K
-
Freelancing income ₹10K+
-
Investments at ₹50K+
Scale Strategy:
-
Web design agency + small clients
-
2nd dropshipping store or niche expansion
-
Blogging AdSense + affiliate
-
SIP total ₹3–5K/month + FD maturity
📚 TRADING Start Karna (Optional – After 1 Year)
-
Learn via YouTube: “Trading basics for beginners”
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Start with Zerodha Kite, small investments
-
Use only profit money (not salary)
✅ Weekly Task Plan
| Task | Time |
|---|---|
| Skill Learning | 1 hr/day |
| Blogging | 30 min/day |
| Freelancing Platform Work | 2–3 hrs/week |
| Social Media Marketing (Meesho) | 1 hr/day |
| SIP Check / Finance Review | Sunday 1 hr |
🔥 Final Advice:
-
Har mahine saving aur investment me 10% badhao
-
Har quarter apna goal review karo
-
Sirf kaam pe nahi, personal growth pe bhi dhyan do
-
Ek notebook lo — “Mera Business 1 Crore Plan” – har din likho kya seekha, kya kiya
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