Relationship Management Principles of Budget Principles of Budget Energy Management from Manju Shrivastava Astt. Prof,Home science,

Govt.D.B.Girls P.G.Auto.College

Raipur(C.G.)

Relationship Management ds ewy rRo (Elements)Co-operation ¼ lg;ksx ½Faith ¼fo’okl½Companionship ¼lkFkhiu½Integration in personality ¼O;fDrRo dk ,dhdj.k½Personal relation ship ¼vkilh laca/k½Culture ¼laLd`fr½Respect ¼lEeku½Importance ¼egRo½Guidance and Direction ¼ekxZn’kZu ,oa

funsZ’ku½Solve the Problem ¼leL;kvksa dks lqy>kuk½

Hart’s Technique for Relationship Management ¼laca/k izca/k esa Hart dh

rduhfd½Eliminate needless ammoyances Eliminate needless ammoyances ¼vuko’;d u lrk;sa½¼vuko’;d u lrk;sa½Discuss problems frankly but no debate endlessDiscuss problems frankly but no debate endless

¼leL;kvksa ij csfgpd cgl djsa ij varghu cgl ls cpsa½¼leL;kvksa ij csfgpd cgl djsa ij varghu cgl ls cpsa½Be just but do not demand justice Be just but do not demand justice ¼U;k;iw.kZ jgsa ij ¼U;k;iw.kZ jgsa ij

U;k; dh ekax u djsa½U;k; dh ekax u djsa½Formulate Plans jointly Formulate Plans jointly ¼;kstukvksa dk fuekZ.k ¼;kstukvksa dk fuekZ.k

la;qDr :Ik ls djsa½la;qDr :Ik ls djsa½Invent Solutions that will increase areas of agreement Invent Solutions that will increase areas of agreement

¼lek/kkuksa dh [kkst djsa rkfd lgefr dh laHkkouk;sa ¼lek/kkuksa dh [kkst djsa rkfd lgefr dh laHkkouk;sa c<+s½c<+s½

Surrender non essentials Surrender non essentials ¼vuko’;d ckrksa dks NksM+ ¼vuko’;d ckrksa dks NksM+ ns½ns½

Be a good sport Be a good sport ¼izlUu jgus okys vkSj izlUu j[kus okys ¼izlUu jgus okys vkSj izlUu j[kus okys O;fDr cusa½O;fDr cusa½

¼ctV ds fl)kar½ ¼ctV ds fl)kar½ Principles of BudgetPrinciples of Budget

Ikfjokfjd vk; Ikfjokfjd vk; (Family Income)(Family Income)Ikfjokj ds fu/kkfjr y{; Ikfjokj ds fu/kkfjr y{; (Determined (Determined

Goal of the Family)Goal of the Family)Ikfjokj dh orZeku Ikfjokj dh orZeku

vko’;drk;savko’;drk;sa(Present need of the (Present need of the Family)Family)

Ikfjokj dh Hkfo“; dh vko’;drk;sa Ikfjokj dh Hkfo“; dh vko’;drk;sa (Future need of the family)(Future need of the family)

ctV dh eansBudget

Allocation in Different

HkkstHkkstuu

FoodFood

cprcprSavingSaving

oL=oL=ClothCloth

vkoklvkoklHouseHouse

;krk;kr;krk;krTransporTranspor

tationtation

O;fDrxr O;fDrxr [kpZ[kpZ

Personal Personal ExpenditurExpenditur

ee

Ekuksjatu Ekuksjatu EntertainmeEntertainme

ntnt

vU; ?kjsyw vU; ?kjsyw O;;O;;

Other Other Househdd Househdd

ExpenditureExpenditure

f’k{kkf’k{kkEducatioEducatio

nn LokLFLokLFk;k;

HealthHealth

ctV dk fuekZ.kctV dk fuekZ.kewY;kaduewY;kadufu;a=.kfu;a=.kfujh{k.kfujh{k.k

vk; O;; esa larqyuvk; O;; esa larqyuvk; dk vuqekuvk; dk vuqeku

fofHkUu enksa ij gksus okys fofHkUu enksa ij gksus okys O;; dk vuqekuO;; dk vuqeku

vko’;d oLrq vkSj lsokvksa dh vko’;d oLrq vkSj lsokvksa dh lwphlwph

ctV dh vof/kctV dh vof/k

Income ¼vk;½¼vk;½ osru osru (Salary)Ektnwjh Ektnwjh (Wages)fdjk;k fdjk;k (Rent)C;ktC;kt(Interest)ykHk ,oa ykHk ,oa

ykHkka’kykHkka’k(Profit and Divident)

cksul cksul (Bonus)jkW;YVhjkW;YVh(Royalty)Iksa’ku Iksa’ku (Pension)

xzsT;qVh xzsT;qVh (Graduaity )migkj migkj (Gift)yksVjh yksVjh (Lottery)HkRrk HkRrk (Allowances)Nk=o`fRr Nk=o`fRr

(Schoolarship)

vk; o`f) ds lk/kuvk; o`f) ds lk/kuWays of Supplementing Family IncomeWays of Supplementing Family Income

x`g ,oa y?kq m|ksx /kU/ks x`g ,oa y?kq m|ksx /kU/ks (Household and Small Scale Industries)

Lke; dk ferO;forkiw.kZ mi;ksx Lke; dk ferO;forkiw.kZ mi;ksx (Economic use of Time)

/ku dk ferO;; /ku dk ferO;; (Economy of money) [kk| inkFkksZa dk laj{k.k ,oa Hk.Mkj.k [kk| inkFkksZa dk laj{k.k ,oa Hk.Mkj.k

(Preservation & storage of food)/ku dk mfpr mi;ksx /ku dk mfpr mi;ksx (Proper Investment of money)Je ,oa le; cpko ds lk/kuksa dk iz;ksxJe ,oa le; cpko ds lk/kuksa dk iz;ksx(Use of labour

and time saving devices) ckxokuh djukckxokuh djuk(Kitchen gardening)dq'ky izca/ku dq'ky izca/ku (Skillful Management)

Goals of Saving Goals of Saving cpr ds y{;cpr ds y{;vkdfLed vko’drkvksa dh iwfrZ A vkdfLed vko’drkvksa dh iwfrZ A dekus okys O;fDr dh vkdfLed e`R;q dekus okys O;fDr dh vkdfLed e`R;q

gksus ij lgkjkAgksus ij lgkjkAnh?kZ dkfyd vko’;drkvksa dh iwfrZ nh?kZ dkfyd vko’;drkvksa dh iwfrZ 'kkjhfjd v{kerk ds le; vkfFkZd laj{k.k 'kkjhfjd v{kerk ds le; vkfFkZd laj{k.k o`)koLFkk esa vkfFkZd laj{k.ko`)koLFkk esa vkfFkZd laj{k.kvk; esa o`f)vk; esa o`f)vuko‘’;d [kpksZa esa dehvuko‘’;d [kpksZa esa dehlsokfuo`fRr ij vkfFkZd laj{k.klsokfuo`fRr ij vkfFkZd laj{k.klqjf{kr Hkfo";lqjf{kr Hkfo";ekufld larqf"Vekufld larqf"VÅ¡ps thou Lrj dh izkfIrÅ¡ps thou Lrj dh izkfIrIkfjokfjd thou pdz dh vLFkkvksa esa Ikfjokfjd thou pdz dh vLFkkvksa esa

lek;kstulek;kstuLkekftd izfr"Bk Lkekftd izfr"Bk lEifRr fuekZ.klEifRr fuekZ.kjk"Vªh; ;kstukvksa ds lapkyu es ennjk"Vªh; ;kstukvksa ds lapkyu es enn

fofu;ksx djrs l;e /;ku nsus ;ksX; fofu;ksx djrs l;e /;ku nsus ;ksX; ckrsackrsa

Points to be considered in Mind while Investment

iw¡th dh iw¡th dh lqj{kklqj{kkSafety of Capital

rjyrkrjyrkLiquidity

ykHk dh ykHk dh mfpr njmfpr njReasonable

Rate of Return

fLFkfr;ksa ds fLFkfr;ksa ds izHkko dk izHkko dk fu/kkZj.kfu/kkZj.k

Determination of effect of conditions

_.k _.k lqfo/kklqfo/kk

Loan facility

O;oLFkk ,oO;oLFkk ,oa lrdZrka lrdZrk

Management and care

vkd"kZd vkd"kZd voljvolj

Attractive opportunity

laLFkk laLFkk dh nwjhdh nwjhDistance of Institution

Method of Investment¼fofu;ksx dh fof/k;k¡½¼fofu;ksx dh fof/k;k¡½

fofu;ksxfofu;ksxInvestment

LandLand SharShareses

LifeLife

InsuranceInsurance

BankBankPost OfficePost Office

GoldGold

HouseHouse

Energy Management lqfo/kkiw.kZ ,oa larks"ktud rjhds ls dk;Z lEiUu djuk rkfd lqfo/kkiw.kZ ,oa larks"ktud rjhds ls dk;Z lEiUu djuk rkfd

Fkdku mRiUu u gksAFkdku mRiUu u gksA

/;ku j[kus ;ksX; ckrsa %& /;ku j[kus ;ksX; ckrsa %& fofHkUu ?kjsyw dk;ksZ dks djus esa fdruh 'kfDr dh fofHkUu ?kjsyw dk;ksZ dks djus esa fdruh 'kfDr dh

vko’;drk gksrh gSA vko’;drk gksrh gSA dkSu ls ?kjsyw dk;Z vf/kd Fkdkus okys gksrs gSA dkSu ls ?kjsyw dk;Z vf/kd Fkdkus okys gksrs gSA Fkdku fdrus izdkj dh gksrh gS vkSj Fkdku dk O;fDr ds Fkdku fdrus izdkj dh gksrh gS vkSj Fkdku dk O;fDr ds

LokLF; ij D;k izHkko iM+rk gSA LokLF; ij D;k izHkko iM+rk gSA Ikkfjokfjd thou pdz dh fofHkUu voLFkkvksa esa 'kfDr dh Ikkfjokfjd thou pdz dh fofHkUu voLFkkvksa esa 'kfDr dh

D;k vko’;drk gksrh gSAD;k vko’;drk gksrh gSAFkdku nwj djus ds fy; foJke dky dk mi;ksx fdl izdkj djuk Fkdku nwj djus ds fy; foJke dky dk mi;ksx fdl izdkj djuk

pkfg;sApkfg;sA'kfDr O;oLFkkiu esa ;kstuk fu;a=.k vkSj ewY;kadu dh 'kfDr O;oLFkkiu esa ;kstuk fu;a=.k vkSj ewY;kadu dh

D;k Hkwfedk gksrh gSAD;k Hkwfedk gksrh gSA

Energy Management and work Simplification 'kfDr dk O;oLFkkiu vkSj dk;Z 'kfDr dk O;oLFkkiu vkSj dk;Z

ljyhdj.kljyhdj.kdk;Z dks 'kh?kzrk] ljyrk vkSj lqxerk ls dk;Z dks 'kh?kzrk] ljyrk vkSj lqxerk ls

djus ds fy;s vko’;d rRo gS&djus ds fy;s vko’;d rRo gS&dk;Zfof/k dk;Zfof/k (Work Method)dk;Z djus okyk O;fDr dk;Z djus okyk O;fDr (Worker) dk;Z {ks= dk;Z {ks= (Work Area)

W= Easy ¼vklku½¼vklku½W = Efficient ¼l{ke½¼l{ke½W= Comfortable ¼lqfo/kktud½¼lqfo/kktud½

Ref:- Patni Manju,Griha prabandh Deshpandey Aasha,Verma Saraswati.Parivarik vitt Singh Brinda.Griha prabandh aavas avam griha sajja