Overdraft facility kya hoti hai? 💸🏦 Ye to bank se udhar lene ka fancy tarika lagta hai! Option: Ek short-term credit agreement, Ek type ka savings account, Ek type ka investment fund, Ek long-term loan

**Overdraft facility** ek **short-term credit agreement** hoti hai: - **Kya karta hai?** - Aapko apne bank account se zyada paise withdraw karne deta hai - Ek pre-approved limit tak - **Kyu use karte hain?** - Short-term cash flow issues ke liye - Unexpected expenses cover karne ke liye - Temporary shortfalls handle karne ke liye Ye ek financial safety net ki tarah kaam karta hai. Jaise aap circus mein tightrope walker ke neeche safety net dekhte hain, waise hi overdraft aapke finances ke liye ek safety net hai. Lekin yaad rakhein, zyada der tak net pe latke rehna theek nahi, jaldi balance regain karna zaroori hai!

**Overdraft facility** ek **short-term credit agreement** hoti hai: - **Kya karta hai?** - Aapko apne bank account se zyada paise withdraw karne deta hai - Ek pre-approved limit tak - **Kyu use karte hain?** - Short-term cash flow issues ke liye - Unexpected expenses cover karne ke liye - Temporary shortfalls handle karne ke liye Ye ek financial safety net ki tarah kaam karta hai. Jaise aap circus mein tightrope walker ke neeche safety net dekhte hain, waise hi overdraft aapke finances ke liye ek safety net hai. Lekin yaad rakhein, zyada der tak net pe latke rehna theek nahi, jaldi balance regain karna zaroori hai!

Overdraft facility pe interest calculation **roz ka khel** hai! 📅💰 Kaise hota hai ye magic? * **Daily calculation:** Har din dekha jaata hai kitna overdraft use hua * **Sirf used amount pe:** Agar 1 lakh ka limit hai, par aapne sirf 10,000 use kiye, toh sirf 10,000 pe interest lagega * **Zyada use, zyada interest:** Jitna zyada use karoge, utna zyada interest dena padega Smart tips: * Overdraft ko emergency fund ki tarah use karo, regular spending ke liye nahi * Jaldi se jaldi amount repay karo, taki kam se kam interest lage Yaad rakhein, ye loan se alag hai jahan fixed amount pe interest lagta hai. Overdraft mein aap apne interest ko control kar sakte hain!

Dosto, emergency fund aapki financial zindagi ka airbag hai! 🛡️💼 Iska main fayda: - **Unexpected kharche** ke liye credit card use karne se bachna Kyun zaroori hai? - Achanak medical bills aa jaye 🏥 - Naukri chali jaye 😱 - Gaadi kharab ho jaye 🚗 In sab situations mein, emergency fund aapko high-interest wale credit card debt se bachata hai. Yeh aapki financial stability ka hero hai! 🦸‍♂️💰 Yaad rakhiye, emergency fund na hona, khud ko financial emergency mein daalne jaisa hai! 🆘

Financial safety net matlab **paiso ka airbag**! 💥🛡️ Aur iska sabse zyada use hota hai jab **achanak medical emergency** aa jaye. **Kyu zaroori hai financial safety net?** - Medical emergencies kabhi bhi aa sakti hain, jaise movie mein villain! 😱 - Hospital bills dekh kar hi heart attack na aa jaye 💸 - Bina tension ke ilaaj karwa sako, ye bohot zaroori hai **Safety net banane ke tips:** - Emergency fund rakho (3-6 months ka kharcha) - Health insurance zaroor lo - Critical illness cover bhi soch lo **Yaad rakhein:** Gaadi, shaadi, ya vacation ke liye to plan kar sakte ho, par beemari kabhi plan karke nahi aati! Isliye hamesha taiyaar raho! 💪

Credit card companies cash advance fee charge karti hain kyunki... drum roll please... 🥁 **Upar di gayi saari wajahon se!** Ye fee ek teer se teen nishane maarne jaisi hai: 1. **Cash Nikalne Se Rokne Ke Liye** 🚫💰 - Companies nahi chahti aap credit card se ATM jaiso use karein - Unhe lagta hai, "Bhai, credit card se shopping karo, cash ke liye debit card use karo!" 2. **Processing Costs Cover Karne Ke Liye** 🏦💻 - ATM networks, handling charges, sab kuch cover karna padta hai - Ye unke liye "paisa vasool" karne ka tarika hai 3. **Risk Ko Balance Karne Ke Liye** ⚖️🎰 - Cash advance mein default ka risk zyada hota hai - Companies sochti hain, "Agar ye paisa doob gaya, toh hamara loss cover ho jayega" **Yaad Rakhein:** Cash advance bohot mehengi padti hai! Interest bhi zyada hota hai aur ye fee alag se. Isse bachne ke liye, emergency fund rakhiye, taaki aapko kabhi credit card se cash na nikaalna pade. Warna aapka wallet bhi cash advance fee ki tarah "advance" mein hi khaali ho jayega! 😅💸