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Personal Finance Manager: Budgeting Made Easy

Easily track expenses, set budgets, and save money with our intuitive personal finance manager app. Take control of your finances today!

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Personal Finance Manager: Budgeting Made Easy

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  1. !$ lhNnf

  2. emfkf • kz'kltgfydlGb/ bds. • sGsfO{ wfd, sf]6Lxf]d:ynL. • l;4of]uLsGsfO{gfy -*$ l;4dWo] Ps_ tk:ynL. • ztfIfL zlQmkL7ztfIfLwfd . ch{'gwf/f tLy{ . • lsRrs jwkf]v/L / c? u9Lx?klg5g. • b]jLyfg— s~sfO{dfO{ k|l;4 b]jL x'g\ . • kz'kltgfy dlGb/ bdsdf 5 . • k~r]Zj/ lzj dlGb/ — of] bdsaf6 latf{df]7 hfFbf blIf0f df]l8P/ k'Ug' k5{ . • lzjdlGb/ — k'xft'af/Ldf 5 . • lzjdlGb/— ch{'gwf/fdf klg 5 .

  3. Onfd • l;+xjflxgLeujtLdlGb/, kfyLe/f dlGb/, cGgk"0f{ dlGb/ . • l;+xjflxgLb'uf{ eujtLdlGb/ k'jfdem'jf . • k~rsGofkf]v/L dlGb/ . ;ft dfO{ . ;KtdfO{ sf] gfdaf6ToxfFsfgbLx? aUb5g\ . • :jfdLk|kGgfrfo{ hGd:yn . dfO{kf]v/L . l;+xjflxgL— Onfd ahf/df :yfgsf] ?kdf 5 . • uh'/d'vL — k"jL{ Onfddf 5 . lnDa" k"hf/L 5g\ . • lzjlnË— Onfd gofF ahf/df afnfu'?n] :yfkgf u/]sf

  4. kfFry/ • >Lkz'kltdlGb/ . • lxnLxfËsf;'Aaf . • >Ll;4b]jLdlGb/ -s'Ddfos_ l;+xb]jLdlGb/ . • lsDa' kf]v/L -Rofª\yfk'_ • hosflnsf :yfg— . • l;4b]jL dlGb/— o;nfo{ s'Ddfos klg elGgG5 . • ls/fFt]Zj/ dxfb]j dlGb/ — :JffdL k|kGgfrfo{ :yfkgf u/]sf .

  5. tfKn]h'Ë • kfyLe/f eujtL . jf:tljsgfdcGgk"0ff{b]jLci6e"hfsLkfj{tLx'g= . • kfyLe/feGg] gfdkfyLh:tf] e"agf}6 ePsf] kj{tdf b]j:yfgePsf]n] kfyLe/f eGg] b]jL . • lzjdlGb/ .

  6. !$ lhNnf

  7. df]/Ë • lj/f6 sflnsf . • rf}/f;L l;4 u'? uf]/Ifgfy cv08w'gL . • >L b'uf{ dlGb/ -dËnaf/]_ . • >L/fdhfgsL dlGb/ . • ;f]dlnË lzjfno . • >LljGWojfl;gL dlGb/ . • xg'dfg dlGb/ . • >Lj/fx jf/fxL dlGb/ . • nIdLgf/fo0f dlGb/ . • ;+;f/L dfO{ :Yfg dlGb/ — O6x/Laf6 hf]uagL hfFbf b]j|]kl6 df]l8g' k5{ . • lzjfno— l;h'jf &df kb{5g\ . tLgtn] kfv]z}nLsf] dlGb/ 5 . • jg:v08L dxfb]j dlGb/— lj/f6gu/ j8f g+= ( df kb{5 .

  8. ;'G;/L • kL08]Zj/ dxfb]j, • bGtsfnL zlQmkL7, w/fgsf] ljhok'/df k|l;4 bGtsfnL dlGb/ 5 . ;]gsfn eGbf cl3sf] dflgGg5 . • ljhok'/ a"9f ;'Aaf, • a/fx If]q leqsf sf]sf a/fx, OGb| a/fx, ;"o{ a/fx, dxfa/fx nufot ;a} rt/fkL7 /fdw'gL • lji0f'kfb'sf . • s'Ded]nf :yn bz{g . • /fws[i0fdlGb/ . • xg'dfg dlGb/ . • lzjdlGb/ .

  9. wgs'6f • lgzfg eujtL, lgzfg:yfg . • >LgfuLl:yt u'? uf]/Ifgfy u'kmf . • tLn]Zj/ dxfb]j -t]lnof_ • l5~tfËb]jL — lxn]af6 * lsnf]ld6/ k/ l5GtfËdf /x]sL oL b]jLnfO{ hfnkfb]jL klg eGb5g\ . • >L sflnsf dlGb/— w/fg wgs'6f /fhdfu{df kb{5 . • lzjdlGb/— wgs'6fdf tLgj6f lzjdlGb/ 5g\ . tL x'g\ l;+x]Zj/ dxfb]j], uf]s'08]Zj/ dxfb]j / gd{b]Zj/ dxfb]j .

  10. t]x|y'd • l;+xjflxgL eujtL DofËn'Ë . • hfnkfb]jL dlGb/— kfv«Laf;, xdfh{'ª\ glhs} kb{5 . • kfyLe/fdlGb/ — b'O{j6f 5g\ . ;f]Ndf glhs} kb{5 . • l;+xjflxgL dlGb/ — DofËn'Ëdf 5 . • lzjfno— lhl/lvlDtdf 5 . • lzjdlGb/ hnhn]df 5 .

  11. ef]hk'/ • xt'jfu9L . • l;4sflnsf zlQmkL7 . • lbËnfsf] lzjdlGb/, >L/fddlGb/ ?b|If cf/0o, .

  12. ;+v'jf;ef • ;Ltnkf6L, • r}gk'/:yLt d]h/kf6L, • l;4sflnsf eujtL dlGb/ zlQmkL7 . • ;efkf]v/L • dgsfdgf

  13. !$ lhNnf

  14. pbok'/ • pbok'/u9L r08Lb]jL:yfg, • j}Bgfy tk:ynL / j}Bgfy uËf . • yfg]Zj/L dlGb/, wldofgyfg dlGb/ . • lzjdlGb/ ;'Gb/k'/ . • rf}b08Lu9L ;]g/fh k/Dk/f . • l;+xjfxgL dlGb/, • /fwfs[i0f dlGb/ ufO3f6,

  15. vf]6fË • xn]zL dxfb]j, a/fx kf]v/L, xn];L u'kmf, • >Lkfj{tL:yfg, >Lu0f]zåf/f zog u/]sf] sf]j|mf], kfk, hGd, wd{ / sd{åf/ . • >Lu0f]z / s'df/, >La|Xdf, lblUbukfn, >Lgfu b]jtf, >La;fx / u'kmf, e}/j u'kmf, b'Ëb]nf] u'kmf, >Lsflnsf b]jL, >Ldf/ftLsf u'kmf, >L8flsgLb]jL u'kmf, ssgLb]jL, k~rjtL b]jL, • ls/fFt]Zj/ dxfb]j, ;ToZj/ dxfb]j, P];]n'vs{ u'kmf, wd{wf/]Zj/ dxfb]j, u'Kt]Zj/ dxfb]j, hubDafdfO{, lqs'ngfy, • d~h'>L, cjnf]sLt]Zj/, ah|kf0fL, cfrfo{ kßzDej, ceogGbflu/L -/0fjL/l;+x yfkf_, :jfdL k|e' /0faxfb'/ zfxcflb jf}l4i7 wdf{jnDaLsf] k/Dkf/ ;Dk|bfosf] tk:ynL . • r'/]jgl:yt b]jL:yfg, P]ltxfl;s :yn sf]68fF8f .

  16. ;f]n'v'Da" • nf}/]Zj/ dxfb]j, • :ofª\af]r] u'kmf, b"w s'08, hn]Zj/ dxfb]j, • b"w]Zj/ dxfb]j hf]/9'+uf . • k~rs'df/L dlGb/ . • Hjfnfb]jL zlQmkL7 b]jLyfg, x'n'b]jL . • hfnkfb]jL u'kmf . lzjdlGb/ .

  17. * lhNnf

  18. ;Kt/L • >LsÍfnL zlQmkL7 ef/bx sf]zL Aof/]s5]p . • zDe'gfy dlGb/ . • /fhb]jL dlGb/ . • ;xn]; b/jf/ .

  19. l;/xf • l;4of]uL ;f/:jtfO{gfy -;f/:j/gfy dxfb]j eg]/ k|rlnt_ . • lzjlnË $)) jif{ cl3 l;4 ul/Psf] *$ dWo] Ps l;4 .

  20. wg'iff • >L/fdhfgsL dlGb/ -gf}nfvf dlGb/_ • /fdhfgsL ljjfxd08n, • wg'iffwfd . • /fhb]jL dlGb/, ;+s6df]rg xg'dfg dlGb/, . • *^ ;/f]j/ . • l;4of]uL of1jNSogfy -*$_ pklgifb\sf] /rgfsf/ . • !% sf]if kl/j|mdf -8f]nf dxf]T;j_ u+uf cf/tL . • lemlemof dxf]T;j -ebf} dlxgfdf_ .

  21. dxf]Q/L • 6'6]Zj/ dxfb]j . • ;'gdfO{ . • hn]Zj/ dxfb]j . • dl6ofgL d7 .

  22. ;nf{xL • l;4of]uL kLkngfy-*$_ dWo] Ps l;4, lkk/Lod7 . • t'nhfejfgL -d"lt{ofl:yt_ l;D/f}gu9af6 x/l;+xb]jn] :yfkgf u/]sf] . • ;fu/gfy dlGb/ . xg'dfg dlGb/ . k/dx+; :jfdL uf]kfnbf; tk:ynL -uf]kfns'6L_ . • l;4]Zj/ dxfb]j :yfg . • ;Gtfg]Zj/ dxfb]j . sflnsf dlGb/ w/x/f . xg'dfg dlGb/ / /fd dlGb/

  23. /f}tx6 • l;4of]uL z's]Zj/gfy, l;4 of]uL ofu]Zj/gfyn] jfudtL lsgf/fdf tk:of u/]sf] . • *$ l;4df kb{5g\ .

  24. af/f • u9LdfO{, r'l/of dfO{, l;4]Zj/ dxfb]j , ;xhdxfb]j -l;4of]uL ;xhfOgfy tk:ynL *$ l;4dWo] Ps l;4 . • af/f u9L . • zQm]Zj/ dxfb]j dlGb/ .

  25. k;f{ • ljGWojfl;gL dlGb/, s]x'lgof, • l;4 kf/f;gfy d7 dx'Fjg l;4 of]uL kf/;gfy • *$dWo] Ps x'g .

  26. !# lhNnf, k|b]z #

  27. l;Gw'nL • cflblnË s'z]Zj/ dxfb]j dlGb/ ^$df k|yd lnË l;4of]uL l;4gfy tk:ynL sf]6ufpF l;4yfg . • l;Gw'nLu9L, RofpFsf]6, vfË;fË ;f]Nkf l;4yfg . l;4of]uL ;+;f/gfy tk:ynL emfFufemf]nL . • >L ;Togfy -a|XdfhL_ gf} gfy dWo] Ps gfy . en'jfOl:yt sfnL u'kmf, sfnL gbLsf] nª\u'/]Zj/ lzjfno . • xl/x/k'/ u9L, hfnkfb]jL, lkkndf9Ll:yt lzjfno, nf]xf;'/ kf]v/L, slknd'gL tk:ynL , dx]Zj/ tk:ynL, dx]Zjtf, kfFr sGof kf]v/L, 3f6fj]ltgL, r08Lb]jL 8f8L, u'h{g 7fs'/, dl/0f 7fs'/ . ;f]nfef~hfg . • eb|sfnL, sdnfdfO{, q]tfo'udf ;LtfhLsf] ;fyL ldlynf dxfTodf kfOG5 . sfnL dlGb/, l;4afaf dlGb/ . tLg :yfgdf l;Gw'nLu9L, ;fgf] u9L, 7"nf] u9L, .

  28. l;Gw'nLsf] afFsL • kf}jfu9L -cf8lsNnf_ e"d]7fs'/, Sofg 7fs'/, c?0f 7fs'/, a?0f 7fs'/ tLg sGof b]jL, tLg kf6g b]jL, a]ª\s6]Zj/ afx'gltnk'Ë, l;4dxfsfnL :yfg, ;f]Nkfyfgf, dfbn] 9'Ë, z"nLe~ofË lzjfno, uf]Ndfb]jL :yfg uf]n6f/, eLd;]g:yfg /fh8L v'sf{]6, af?y:yfg, sf]68fF8f sf]6sLb]jL, 7"nfufpF hnsGofb]jL . • h;/fd wf/f] lj;+ !*!(. dem'jf . ;'gsf]zL ufpkflnsf tLy{:yn g]d'lg u'kmf,. >L cfBdxfzlQm b'uf{eujtL / z'Delgz'De b]jL bfgjjLr o'4 ePsf] 7fpF >Lb'uf{tLy{ . • >L ci6rL/~hLjLdWo]sf l;4of]uL dfs{08]ogfy tLy{ . dxlif{ ljZjldq tk:ynL >L a|XdfhL k|yd tk:ynL >L l;4of]uL ;gftggfy ;gGbggfy ;gTs'df/ gfy, b]jlif{ gf/bd'lggfy >L nÍfgfy -/fj0f_ . • >L Jof; hGd:ynL ePkl5 o;af/]df a|Xdf08k'/f0f, u?8k'/f0f afdg k'/f0f . g]kfn dxfTDo / lxdjt v08 . CUj]b ;fo0fefio, dxfef/t, ;Kt;tL r08L, >Ldb\efujt dxfk'/f0f, nufot P]ltxfl;s kqflen]vdf ;d]t j0f{g ul/Psf] :yfg >[li6stf{ >L a|Xdb]jaf6 klxnf] kN6 s'De ;'? u/]sf] s'Ded]nfsf] zL/ xf] . • d's'6]Zj/L eujtL d'nsf]6 . >Lafnlds]Zj/ dxfb]j, kNw'/L, uf}/L z+s/ u'kmf, dem'jf, vx/]l:yt >L/fd dlGb/, u0f]z:yfg, cf]b|]sf]6 u9L, k|Nxfb]Zj/ dxfb]j / lzjfno . • ;]t'kf6L zLtnkf6L dfn]kf6L rGb|z]v/ kf6L nufot ;a} wfld{s ;+/rgfx?

  29. /fd]5fk • vfF8fb]jL, b]jL:yfg -v8\ub]jL_ uf]Ndf b]jL, gd{b]Zj/ dxfb]j a]gL, yfgklt dxfb]j, lj;+= !*@# df lgld{t ltNs]:yfg l:yt vfjfu9L . • ;'gfkltb]jL . emDs]Zj/L b]jL hxfF >L /fj0fn] tk:of u/]sf] tLy{ dfemLufpFd'lg .

  30. bf]nvf • >LeLd]Zj/ lzjlnË -^$_ . • lqk'/f;'Gb/L eujtL, uf}/L s'08 z+s/ s'08 uf}/Lz+s/ lxdfn, eLd;]g dlGb/, dxfsfn dlGb/, z}n'Ë]Zj/ dlGb/, • sfln~rf]s zlQmkL7, eujtL .

  31. sfe|]knf~rf]s • ltdfn:yLt gf/fo0fdlGb/, ef]6]kf6L, sfgk'/l:yt uf]/vsfnLsf dlGb/, dËn6f/l:yt dËn]Zj/ dxfb]j . lkKn]l:yt /f]zLufpkflnsf !! l:yt >L cfBdxfzlQm, uf]/Ifsflnsf afnf lqk'/f ;'Gb/L, ufoqL>Lkfq b]jtf>L e}/j kfq b]jtf, l;4 cv08w'gL] . • w'lnv]n uf]s'n]Zj/, gdf]a'4, O{Gb|]Zj/ dxfb]j -^$_ !)* k|sf/sf ;j{b]jL b]jtfsf d"ltx? ,km'Nrf]sL b]jL, r08]Zj/ dxfb]j, tLg lzjlnË wg]Zj/ -^$_dlxzdlb{gL eujtL knf~rf]s eujtL /fhf dfgb]jåf/f lgld{t . • kgf}lt gu/kflnsf jf8f g+=% l:yt >L uf]/If gfy dlGb/, k|frLg s}nfzlu/L kj{t . hxfF lzjdl5Gb|f uf]/Ifafnf kfj{tLsf] tk:ynL . >Lgfy /x:o . lzj dxfk'/f0fdf s}nfzlu/L kj{tsf] af/]df k'0ojtL zLnjtL gLnjtL uËfsf] ds/ d]nf . ToxfFsf] hn uf]/Ifgfydf r9fpF5g. dfDtLsf kfFrkf08j eLd;]g .

  32. l;Gw'kfNrf]s • kfFrkf]v/L, lzjfno -^$_ • lqk'/f;'Gb/L dlGb/, OGb|fo0fL zlQmkL7,

  33. nlntk'/ • ^$ ltn]Zj/, rDks]Zj/, /fd]Zj/, sfn]Zj/^$ leqsf . • lqs'6f e}/jgfy -6Lsf e}/jtLy{_ • ah|jf/fxL zlQmkL7, uf]jfj/L tLy{, x/l;l4 . • s'De]Zj/ lzjfno -dxfd[To'~ho dlGb/, • aunfd'vL, s[i0fdlGb/, a6's e}/j nugv]n, dxfnIdL dlGb/ dxfnIdL:yfg . • lqk'/f ;'Gb/L dlGb/ . k~r]Zj/ . • lj;ª\s'gf/fo0f . Hofld/u9L n'e' dfly .

  34. eQmk'/ • rfu'gf/o0f, bQfqo dlGb/, dxfsfnL dlGb/, aflNds]Zj/ dxfb]j, >L afNdLsL tk:ynL . • ljdn]Zj/ lzjlnË -8f]n]Zj/_ cgGt]Zj/ -^$_ ;'j0f]Zj/ dlGb/, • ;"o{ ljgfos, sfo{ ljgfos, sdn ljgfos, l;l4 ljgfos, • %% ‰ofn] b/af/ e"kt]Gb| dNn] agfPsf] .

  35. sf7df8f}+ • >Lkz'kltgfy dlGb/ -pWj{d'v, O{zfg, tTk'?if, c3f]/, ;Bf]hft, jfdb]j, • >LjfudtL tLy{, dËnfuf}/L zlQmkL7, uf}/LtLy{, • pdfs'08 tLy{, e'jg]Zj/L zlQmkL7, ho jfu]Zj/L zlQmkL7, jT;nfb]j, hojfu]Zj/L, rfjlxn • u0f]z -rGb|ljgfos_ dlGb/, rf?dlt :t'kf, af}4gfy -af}4_ w'd|j/fx w'Da/fxL, lkËnf:yfg, • >L sLlt{d'v e}/j, • Psfbz ?b|, >L u0f]zs'df/ åf/kfn, uh'/ bz{g, iff]8if dft[sf, z/e, /fd, lzj, s[i0fs'n, kf08js'n, ci6dft[sf, ci6e}/j Pj+d lbUkfn, ljNnf]j[If bz{g, >Lt'n;L bz{g, >L lgTo]Zj/, >LcGgk"0f{, >Lhf]/]Zj/ e[ËLZj/, >Llqz'n, >Lr08]zj/, >Lcw{gf/]Zj/, >Ljf;'sL gf/fo0f, >Ll;4]Zj/, >Lu'Kt]Zj/, >Lgf/fo0f >Lnfn u0f]z, >Llgb|]Zj/, >Ls[i0f, >L;"o{gf/fo0f, >Lu?9gf/fo0f, >L;/:jtL, lzjuËf -jfudtL_ >L ts{]Zj/ -a|Xdgfn glhs_ >LoGq, >LslnZj/, >Ld'lQmd08n, >L;Gtfg]zj/ -;Gtfkx/]zj/_ >LzLtnfdfO{ ^$ Pj+ sf]6LlnË]Zj/, • >LpGdt e}/j, >L;Ktdft[sf, >LcgGt]Zj/, >Lgju|x, >Lxg'dfg, >Lnfn u0f]z, >L;Togf/fo0f, >LgGbLZj/, >L5qr08]Zj/, wd{zLnf, dxfd[To'~ho lzj, ljZj?k dlGb/, w'|j{:ynL, >L w'|j{sf] tk:ynL, g]kfnsf] ^$ lzjlnËsf] bz{g u/L l;4 ePsf l;4of]uL lj?kfIfgfy -*$_ dWo] Ps l;4 . • >L u'? uf]/Ifgfy dlGb/, l;Wofrn, d[u:ynL cWofTd ejg kfszfnf, uf}zfnf b]jzfnf of]uzfnf :jWofozfnf, ljBfno, cv08w'gL nufotsf ;+/rgfx? >Lgfy uf]/If k/Dk/f .>L kz'kltgfy eujfgsf] rf/lsNnfleq sl/a !! ;oj6f d7dlGb/ / *^ s'08 5g\ . • >Lu'?uf]/Ifgfy dlGb/, d+unfuf}/L agsfnL zlQmkL7 . sf]6]Zj/ dxfb]j -^$_ . • >Lu'XoZj/L zlQmkL7, z]ifgf/fo0f, af}4gfy, :t'kf, :joDe"gfy, xg'dfg9f]sf, /fhb/jf/, t'nhfejfgL zlQmkL7, sfi7d08k, l;4of]uL sfgLkfgfy tk:ynL . l;4 of]uL gfufh{'g gfy tk:ynL gfufh{'g 8fF8f] . dxfof]uL nf]kLofgfy -n'Okfbgfy_ kf}/fl0fs sfndf a;Gtk'/ uf]/IfgfykL7, OGb|rf]s l:yt uf]/IfgfykL7, Orª\s'gf/fo0f, a'9fgLns07gf/fo0f, 7d]n lqb]jL dlGb/ !=sflnsf dlGb/, -xfn blIf0fsfnLsf_ @ HjfnfhL Hjfnf dlGb/ # sfdfVof dlGb/, lzjfno, u0f]z, xg'dfg nufot !) dlGb/ . • af3e}/j dlGb/ sLlt{k'/ . blIf0fsfnL dlGb/ . kmlk{Ël:yt sfdw]g' u'kmf, uf]/Ifgfy u'kmf . • ;'Gb/Lhn ;'Gb/LdfO{ dlGb/, uf]s0f{]Zj/ dxfb]j, pQ/jflxgL sflGte}/j dlGb/ . r08]Zj/L eujtL -6f]vf_ • g/b]jL, d}ltb]jL, ef6e6]gL, a'9fgLns07 dlGb/, dftftLy{, rGbg e/f6]Zj/, dTogf/fo0f, rf]ef/ hnljgfos, ah|of]uLgL, :joDe", lqk'/]Zj/ dxfb]j, jf0f]Zj/ dxfb]j, eb|sfnL, sfne}/j, ;+s6f b]j:yn,

  36. dsjfgk'/ • lr;fkfgL u9Ll:yt dxfFsfn e}/j, a6's e}/j / uf]/vsfnLsf, dsjfk'/u9Ll:yt j+zLuf]kfn dlGb/, • ;fgf] u9L 7"nf] u9L 6F'l8v]n, v'F8f3f6 tLy{, jfudtLsf] lsgf/ . • xgf{df9Ll:yt >Lu'? uf]/Ifgfy dlGb/ . e'6gb]jL dlGb/, e}/j dlGb/, lqv08]Zj/ dlGb/ l;4xl/afaf tk:ynL .

  37. g'jfsf]6 • g'jfsf]6b/af/ hfnkfb]jL zlQmkL7, • g'jfsf]6 e}/jL zlQmkL7, e}/j dlGb/, b'Kr]Zj/, j]qfjtL, /fddlGb/, b"w]nfdf yfg, g'jfsf]6 u9L . • ssgL dxfb]j . gf}sf]6 . • u'? uf]/Ifgfy dlGb/ .

  38. /;'jf • /;'jfu9L, u|fªl:yt e}/j u'kmf, sflnsf dlGb/, nx/]kf6L, • >L uf];fOs'08, >L lqz'n :yfg, uf];fOs'08 dxfb]j dlGb/, ;"o{s'08 ;/:jtL s'08, a|Xds'08, sfns'08, • >L cd/l;+x yfkf u'kmf hxfF pgsf] zflns 5 . bzj6f hlt dxTjk"0f{ u'kmfx? 5g\ . • l;4 emfFj|mL u'kmf k|To]s hg}k"l0f{dfsf] cl3Nnf]lbg emfFj|mLx? ToxL uP/ l;4 u/]/ cfpF5g\ .

  39. lrtjg • sflnsf dlGb/, • jfu]Zj/L zlQmkL7, ;f]d]Zj/ u9L, pkbf{ª u9L, df9L df08Jo Clifsf] tk:ynL, uf]4sl:yt k/z'/fd / z]ifgfu clÍt d"lt{ . • kfFr kf08j u'Ktaf; u'kmf / d"lt{x? b|f}kbL / kf08j gu/af6 k|Voft . • ;foÍfg Clifsf] tk:ynL ;fnsf] j[If ljZjsf] ;a}eGbf 7"nf] ?v .

  40. wflbË • e}/jL dlGb/, wflbËj];L . • lqk'/f;'Gb/L dlGb/ . >Lclzt]Zj/ lzjlnË rf}ifli7 lzjzlQmkL7, dxfsfnL dlGb/ -;]tLb]jL, /fgLaf/L_ y'dy'ddf ^j6f sflns dlGb/, s'6]Zj/ lzjlnË -^$_ lgTok"hf eO/x]sf] . • /0fe'jg]Zj/L dlGb/ . lzjfno dlGb/ . eLd;]g dlGb/ . • >LljGWojfl;gL dlGb/, j/fx jf/fxL dlGb/, s]jnk'/ .

  41. !! lhNnf

  42. uf]/vf • uf]/vsflnsf eujtL, • uf]/vf b/af/, • dgsfdgf eujtL l;4zlQmkL7, l;4 nvg yfkf u'kmf aj|m]Zj/ u'kmf !)) eGbf a9L dlGb/ 5g\ .

  43. ndh'Ë • nDh'Ësflnsf . • O{zfg]Zj/ dxfb]j, gfue}/j:yfg, l;;f3f6 !*^& lt/ lgld{t s'~5fkf6L . • ndh'Ëb/af/l:yt uf]/vsfnL dlGb/, /fuLgf;sf]6l:yt >Lsflnsf zlQmkL7 . • u'? uf]/vgfy / b|Aozfx aLr ;fIfftsf/ ePsf], l;4afaf dlGb/ / u'kmf . • ;'Gb/ahf/l:yt k'/fgf]kf6L . • plbk'/ sflnsf eujtL, gfugflugL, d/:ofª\bL u+uf

  44. tgx"F • l5Ds]Zj/L, b]j3f6 wfd,, • Jof; u'kmf lr;fkfgLrf]s:yLt sflnsf eujtL zlQmkL7, tgx"F;'/ l:yt >Llji0f'dlGb/ ;]gsfnLg !^cf} ztfAbLlt/ . u9L, sf]6, cf]bfg -lqt'Ë_ , 6'l8v]n • 9f]/af/fxL zlQmkL7— lkmbL{ uflj;df kb{5 . v}/]gL6f/sf] 7Ls klZrd kl6sf] ;]tLgbL kf/u/]kl5 9f]/af/fxL k'luG5 . oxfF eQmhgx? k|;:t af]sf kf7f r9fO k'hf ub{5g\ . k|To]s tLg ldg]6df u'8u'8 cfjfh ub{} d'xfgaf6 kfgL lgl:sG5 / ;'S5 . -d]rLb]vL dxfsfnL_ • 5fAbLaf/fxL— aGbLk'/sf] pQ/klZrd kl6sf] kxf8L >[ª\vnfdf kg{] dlxan / s'n{'Ë uflj;af6 klZrdlt/ au]/ ;]tL / dfbLsf] ;Ëd:yneGbf blIf0fkl6 ldl;g k'u]sf] vf]nf 5 . ToxLF lsgf/df 5fAbLaf/fxL 5g\ . oxfFsf] kf]v/Ldf /hafd / zx/df5f 5g\ . k'hf/Ln] anLx? ToxL kf]v/Ldf kmfNb5g\ . -d]rLb]vL dxfsfnL_ • lzjdlGb/ — .

  45. k/f;L • kfNxL eujtL— k/f;L ahf/af6 s]xL 6f9f kfNxL eujtLsf] dlGb/ 5 . cl3 kfna+zL /fhfsf] kfnfdf :yfkgf ul/Psf] xf] eGg] :yfgLo k'hf/L / c?dflg;x?sf] klg egfO 5 . -hudfg u'?Ë_ • oxfF sfnLsf] d"lt{ :yfkgf ul/Psf] 5 . • df}nfsfnL— gf/fo0fLgbLsf] k'n tg{] lalQs} bflxg] df]l8P/ sl/a ! 306f lxF8]kl5 df}nfsflnsf] k|l;4 dlGb/ k'luG5 . • bfpGg] b]jL— bfpGg]df 5 . • lzjfno — 7fpF olsg gePsf] • gjnk/f;L lqj]0fLwfd, aflNdsL tk:ynL, df}nf]sflnsf zlQmkL7, • s]jnk'/l:yt cd/l;+x u9L . gf}lj;]l:yt dl5Gb|gfy jg -tk:ynL_ l;4of]uL afnsgfy tk:ynL w'gLj];L gfyf k/Dkfsf u'?x?n] w'gL tfk]/ ePsf] w'lgj];L

  46. :ofËhf • cfndb]jL— l/8Lsf] k"j{df n;3f{8fF8fdf cfndb]jLsf] :yfg 5 . cfnd eg]sf ljho Wjhfxf] . lo b]jLnfO{ h}gvfgsf] lsNnfsL d"n b]jL dflgPsf] 5 . lognfO{ l;4 nIdL klg dflgG5 . du/ k'hf/L 5g\ . zfxx?sL s'nb]jL x'g\ . • r08Lsflnsf — lo b]jL :ofËhfsL k|l;4 b]jL x'g\ . • lzjfno— of] dfemsf]6df kb{5 . • cfndb]jL eujtL, u/f}sflnsf zlQmkL7, huqb]jL, /fdgbL -/fdbL_ dxfln+uwfd pQ/wfd, s]nfbLwfd, /fdwf6 .

  47. sf:sL • ljGWojf;Llg— kf]v/f ahf/sf] ljrf]lar y'Dsf]df lo b]jLsf] dlGb/ 5 . • jf/fxL — km]jftfndf 5 . • lzjfno— km]jftfnsf] lsgf/df lzjfno :yflkt 5 . • ljGWojf;LgL zlQmkL7, tfnjf/fxL zlQmkL7, u'Kt]Zj/, s]bf/]Zj/, tLgtfnx? km]jf, j]u / ?kf

  48. !! lhNnf

  49. d':tfª • bfdf]b/s'08, sfuj]gL, d'lQmgfy dlGb/, nnf6Hjfnf lznfHjfnfhL, g[l;+xuËf, ?K;]5x/f . l;4 of]uL ;'Gb/gfy -*$_ tk:ynL bfdf]b/ s'08 / un]Zj/ . • zlQmkL7— d'lQmgfynfO{ b]jLefujt & !$cg';f/ dxfb]jL dflgG5 . of] zlQmkL7 xf] . • e}/j— zlQmkL7;Fu} e}/j klg x'G5g\ . • ;'Gb/gfy— :yfg olsg gePsf]

  50. DofUbL • hn]Zj/ dxfb]j dlGb/ . un]Zj/ dlGb/ / cf>d, ljZjsf] 7"nf] zflnu|fd ePsf], k'n:To tk:ynL, lgzfg eujtL zlQmkL7, 9f]nyfgf, Hofd|'sf] l:yt lgzfg eujtL dlGb/, tfsdsf]6 l:yt >LcGgk"0f{ eujtL dlGb/ . tfsd u9L, 6'l8v]n, >L ljGWojfl;gL dlGb/leq /x]sf] d"lt{ vl08t, !@ cf}FztfAbLlt/ lgld{t . • eujtL— dNnfhsf]6df dlGb/ 5 . kfFr;o jif{cl3 ag]sf] cg'dfg 5 . • un]Zj/— ;b/d'sfd a]gLahf/af6 pQ/tkm{ un]Zj/ dxfb]j:yfg 5 . oxfF 5fg]z}nLsf] dlGb/ 5 . oxfFsf lzjnfO{ klg cf]9f/af6 :jo+ k|s6 ePsf] eGg] rng 5 . dlGb/ kl/;/df Ps;o cf7 c? lzjlnË klg :yfkgf ul/Psf] 5 . klxnf o;sf] gfd hn]Zj/ lyof], kl5 h8]Zj/ eof] . -gf/fo0fk|;fb IfqL_

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