Single mother ₹25,000 salary Delhi mein: Meri survival kahani aur budget plan
Ek single mother apna monthly budget share karti hai — ₹25K mein Delhi mein bachcha palelana.
5 मिनट पढ़ें
1200 शब्द
1/4/2026
Pati ne chhod diya 3 saal pehle. Beta 5 saal ka. Salary ₹25,000. Delhi mein PG se kamra ₹6,000. School fees ₹2,500. Khana ₹5,000. Bache ₹11,500 mein bijli, transport, medical, clothes. Kuch bachta nahi. Lekin main fight kar rahi hoon. Anganwadi se ration milti hai. Government school mein admission karwaya. Main hoon Pooja, 30, Delhi mein data entry operator.
उपयोग विधि
My Monthly Budget:
Income: ₹25,000
Fixed costs:
Room rent (shared PG): ₹6,000
Son school fees (government): ₹500
School van: ₹800
Variable costs:
Food (cook at home): ₹4,500
Electricity: ₹800
Mobile recharge: ₹200
Transport (metro+bus): ₹1,500
Medical (avg): ₹500
Toiletries: ₹300
Total basic: ₹14,600
Remaining: ₹10,400
But hidden monthly costs:
Clothes (growing child): ₹800
Festival/gifts: ₹500
Stationery/school supplies: ₹300
Emergency buffer: ₹2,000
Total: ₹18,200
Savings: ₹6,800
Budget calculator mein:
₹25,000 income
₹18,200 expenses (73%)
₹6,800 savings (27%)
But wait —₹6,800 "savings" nahi hai:
Annual expenses: school uniform ₹3,000, winter clothes ₹4,000, medical emergency fund ₹10,000
= ₹17,000/year = ₹1,417/month
Real savings: ₹5,383/month (21.5%)
Government support I access:
Anganwadi nutrition: Free mid-day meal for son
PM Awas: Applied, waiting
Subsidized ration: ₹2/kg wheat, ₹3/kg rice
Free immunization at government hospital
If I get ₹35,000 salary:
Extra ₹10,000 → SIP ₹5,000 + emergency ₹5,000
In 5 years: ₹4.2 lakh in SIP + ₹3 lakh emergency fund
प्रो टिप्स
Budget calculator use karein. Har ₹500 ka hisaab rakhein. Kam income mein tracking zyada zaroori hai.
Government schemes apply karein. PM Awas, Sukanya Samriddhi (agar beti hai), subsidized ration. Yeh rights hain, charity nahi.
Skill development free courses karein. NASSCOM, NSDC, PMKVY — free training + stipend. Income badhega.
सामान्य गलतियाँ
Sabse badi galti: Shame mein government help nahi lena. Yeh aapka right hai. Anganwadi, government school, subsidized ration — sab use karein.
Doosri galti: Emergency fund nahi banana. ₹25K salary pe bhi ₹2,000/month emergency fund possible hai. 6 mahine = ₹12,000.
Teesri galti: Credit card ya loan pe depend karna. Yeh trap hai. Budget mein rehna seekhein.