Karza Chukane ke Best 2 Tareeke – Snowball vs Avalanche Method (2025 Guide)
Karza Chukane ke 2 Popular Tareeke: Snowball vs Avalanche Method – Kaun Sa Behtar Hai? (Hinglish Guide)
Lekin in dono methods mein kya fark hai? Kaunsa aapke liye best hoga? Aaiye detail mein jaante hain.
🔹 Snowball Method Kya Hai?
Snowball method mein sabse chhote karz se shuruaat ki jaati hai, bhale hi uska interest rate zyada ho ya kam. Aap minimum payment sab loans par karte hain, lekin extra paise sabse chhote karz ko chukane mein laga dete hain.
✅ Kaise kaam karta hai Snowball Method?
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Sabhi karz (loans/credit cards) ki list banaiye balance ke hisaab se (chhote se bada).
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Har month sab karzon ka minimum payment kijiye.
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Jo extra paisa ho, wo sabse chhote karz par lagaaiye.
- Jab wo chhota karz chuk jaaye, toh uski payment next chhote karz mein add karke continue kijiye.
Example:
| Loan Type | Balance | Interest Rate |
|---|---|---|
| Credit Card A | ₹10,000 | 20% |
| Personal Loan | ₹25,000 | 15% |
| Car Loan | ₹50,000 | 10% |
Aap ₹10,000 wale loan se shuru karenge. Jab ye chuk jaaye, toh uski monthly EMI ₹25,000 wale loan mein add kar denge.
👍 Snowball Method ke Fayde:
Motivation milti hai jaldi results dekh kar.
Financial confidence build hota hai.
Easy to follow, discipline bana rehta hai.
👎 Nuksaan:
Zyada interest dena pad sakta hai long-term mein.
Logical nahi lagta jab high-interest wale loan baad mein chukte hain.
🔹 Avalanche Method Kya Hai?
Avalanche method mein sabse jyada interest rate wale karz se shuruaat hoti hai. Iska main focus interest saving par jyada hota hai.
✅ Kaise kaam karta hai Avalanche Method?
Sab karz ki list banaiye interest rate ke hisaab se (highest se lowest).
Sabhi karz ka minimum payment kijiye.
Jo extra paisa ho, wo highest interest wale karz mein lagaaiye.
Jab wo karz chuk jaaye, toh next highest interest wale par focus kijiye.
.
🎯 Example:
| Loan Type | Balance | Interest Rate |
|---|---|---|
| Credit Card A | ₹10,000 | 20% |
| Personal Loan | ₹25,000 | 15% |
| Car Loan | ₹50,000 | 10% |
Yahan aap ₹10,000 wale credit card se hi shuru karenge, kyunki uska interest sabse zyada hai
Avalanche Method ke Fayde:
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Long-term mein sabse zyada paisa bachaata hai.
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Interest burden kam hota hai.
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Logical aur financially smart approach.
Nuksaan:
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Motivation low ho sakti hai agar sabse pehla loan bada hai.
-
Patience chahiye, jaldi results nahi milte.
📊 Snowball vs Avalanche – Comparison Table
| Feature | Snowball Method | Avalanche Method |
|---|---|---|
| Shuruaat kahan se? | Chhote karz se | High-interest karz se |
| Motivation level | High (quick wins) | Low (slow start) |
| Interest savings | Kam | Zyada |
| Emotional benefit | Zyada | Kam |
| Logical approach | Kam | Zyada |
| Discipline | Easy to maintain | Thoda tough |
🔍 Kaun Sa Method Aapke Liye Behtar Hai?
| Situation | Recommended Method |
|---|---|
| Aapko motivation chahiye? | Snowball |
| Aap interest saving pe focus karna chahte hain? | Avalanche |
| Aapko chhote wins se confidence milta hai? | Snowball |
| Aap disciplined aur patient hain? | Avalanche |
💡 Tips for Success:
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Apni income ka budget banayein.
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Har mahine EMI auto-debit setup kijiye.
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Extra paisa mile toh usse karz chukane mein use kijiye (e.g. bonus, tax refund).
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Credit card ka use minimize kijiye jab tak pura karz chuka na lo.
🔚 Conclusion:
Karz se azaadi pane ke liye Snowball aur Avalanche dono hi effective tareeke hain. Aapke mindset, goal aur financial condition ke hisaab se aap inme se koi bhi method choose kar sakte hain. Zaroori baat yeh hai ki consistent rahna hai aur karz chukane ka process shuru karna hai – chahe small steps ho ya big leaps.
Aaj hi decide kijiye – kya aap Snowball wale hain ya fir Avalanche wale?
Agar aapko yeh blog helpful laga ho toh share karna na bhoolen, aur apna experience comment mein zarur batayein! 💬
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