naujavanon ke saval
fizool kharch karne se kaise bachoon?
“yah us din ki baat hai. main bas kuch dekhne ke liye ek dukan mein gaya. mera kuch khareedne ka irada nahin tha. lekin mujhse raha nahin gaya aur mainne ek mahangi cheez khareed li.”—colin.
colin kabool karta hai ki use fizool kharch karne ki aadat hai. kya aapki bhi yahi samasya hai? agar haan, to is lekh se aapko zaroor madad milegi.
fizool kharch karne se kyon door rahein?
jhooth: itna soch-sochkar paise kharch karoge to aap kuch bhi nahin khareed paaoge, woh cheez bhi nahin jiski aapko sach mein zaroorat hai.
sach: aisi baat nahin hai! meri jeb khaali hai! paison ke baare mein salah denevali kitab (angrezee) batati hai, “jitna zyada aap soch-samajhkar kharch kareinge utna zyada aapke paise bacheinge aur aap woh cheezen khareed paayenge jo aap vaakai khareedna chahte hain. isse aapko aage bhi faayda hoga.”
zara sochiye: fizool kharch na karne se . . .
zaroorat padne par aapke paas paise honge. inez naam ki ek ladki kehti hai, “mera bada man hai ki ek din main dakshin amreeka ghoomne jaaun. isi baat ko dhyan mein rakhkar main kuch paise alag rakhne ki koshish karti hoon.”
aap karz mein nahin doobeinge. bible batati hai, “udhaar lenevala, udhaar denevale ka gulam hota hai.” (neetivachan 22:7) anna naam ki ek naujavan bible ki is baat se sahmat hai. woh kehti hai, “karz hamara sukh-chain chheen leta hai. lekin karz se mukt hone se hum apna dhyan apne lakshya par lagaye rakh paate hain.”
aap dikhate hain ki aap zimmedar ban gaye hain. jo naujavan soch-samajhkar paise kharch karte hain, woh bade hone par bhi soch-samajhkar kharch kareinge. bees saal ki jean kehti hai, “main abhi se seekh rahi hoon ki apne paison ka sahi istemal kaise karoon. main jaanti hoon ki jab main apne pairon par khadi houngi, to yah seekh mere bahot kaam aayegi.”
sau baat ki ek baat: naujavanon aur college vidyarthiyon ko paison ke baare mein salah denevali ek kitab batati hai, “zimmedar insan banne ka sabse achha aur pehla kadam hai, paise ka soch-samajhkar istemal karna. yah ek aisa hunar hai jisse aapko zindagi-bhar faayda hoga.”
kaise door rahein?
apni kamzoriyaan pehchaniye. agar aapko lagta hai ki aapke haath mein paise nahin rehte, to sabse pehle jaanne ki koshish keejiye ki paise kahaan kharch ho rahe hain. kuch log online shopping mein hi saare paise uda dete hain, to kuch ek hi baar mein nahin balki thoda-thoda karke saare paise kharch kar dete hain!
“har din ki chhoti-moti cheezon mein bahot paise kharch ho jaate hain. jaise, kisi ke liye tohfa le liya, kaafi shop mein chale gaye ya ghar ka saaman lete vakt sale par lagi koi aur cheez khareed li. maheene ke aakhir mein main hairan reh jaati hoon ki saare paise kahaan chale gaye.”—hailey.
budget banaiye. bible batati hai, “mehantee ki yojnayen zaroor safal hongi.” (neetivachan 21:5) budget banane se aap utne hi paise kharch kareinge jitne aapke haath mein hain, usse zyada nahin.
“agar hum jitna kamate hain usse zyada kharch karte hain, to hamein dekhna hoga ki hamare paise kahaan jaa rahe hain aur fizool kharch kam karna hoga. agar kuch cheezen khareedna zaroori hai, to hum thoda intazar kar sakte hain. jab hamare haath mein zyada paise aayenge, tab hum unhein khareed sakte hain.”—danielle.
budget ke mutabik kharch keejiye. aise kai tareeke hain jinse aap apne paison ka hisab-kitab rakh sakte hain aur bevajah paise kharch karne se bach sakte hain. kuch naujavanon ne ye tareeke aazmaye hain:
“main paise seedhe bank mein jama kar deta hoon kyonki main jaanta hoon ki agar paise haath mein rahein, to kharch ho jaayenge.”—david.
“jab main kuch khareedne jaati hoon to sirf utne hi paise le jaati hoon jitna ki zaroori hai. is tarah main zyada kharch nahin karti.”—ellen.
“mainne aksar dekha hai ki jab main koi cheez khareedne se pehle thoda intazar karta hoon, to main achhi tarah soch paata hoon ki mujhe us cheez ki sach mein zaroorat hai ya nahin.”—jesiah.
“jab bhi mujhe baahar ghoomne ke liye bulaya jaata hai, to main har baar jaana zaroori nahin samajhti. agar mere paas paise nahin, to main mana kar deti hoon.”—jennifer.
sau baat ki ek baat: paise ka soch-samajhkar istemal karna ek badi zimmedari hai. colin ka bhi yahi maanna hai jiska zikra shurooat mein kiya gaya tha. woh kehta hai, “ek din mera apna ek parivar hoga aur mujhe ghar chalana hoga. agar main abhi se soch-samajhkar paise kharch na karoon, to meri shaadi-shuda zindagi mein kai mushkilein aayengi.”
ise aazmaiye: “jab aap budget banate hain, to kisi ko iske baare mein bataiye. usse kahiye ki woh samay-samay par aapse poochhe ki kya aap apne budget ke mutabik paise kharch kar rahe hain. fizool kharch se bachne ka yah ek achha tareeka hai!”—vanesa.
