Aap ki chhe maali pareshaaniyan jin se aap hi waqif nahin.

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Agar aap is hazariye mein jawan huay hain to aap dekh saktay hain ke aap ko kis tarah stereotype yani ghisay pittay zamron mein rakha jata hai. Maslan, aap ko selfie se maghloob nojawan, apni qisam ki coffee, chuttiyon aur tazeen tareen smartphones ka dildada jaise alqab se nawaza jata hai.

Aisay mein kuch paisay pas andaz karne ke baare mein kya khayal hai?

Shayad aap ko maloom bhi na ho ke kis kis tarah se aap ki aamdani ko mushkilat dar paish hain ya aap ko ye maloom nahi ke is se kaise nimta jaye.

Hum ne musannif aur samaji munazzim Melissa Brown se paisa bachane ke chand asaan nuskhe ke mutaliq baat ki taake hum mali tor par hoshiyar ban saken.

Apne jaison se muqabla:

Aaj ki mushkilat yeh hain ke apne jaise afraad sirf paros mein nahi rehte balki woh samaji rabton ki websites par mutasir karne walay bhi hain jin se aap kabhi mile bhi nahi lekin un ke paas bazahir baaz purtakalluf cheezen hain.

Hum aise muashray mein rehte hain jahan har waqt kahin na kahin, kisi na kisi se muqabla rehta hai aur log humein social media par apni zindagi dikhane walon ke muqable mein tolte parkhte hain, lekin woh koi bhi asal cheez dikhane mein nakaam rehte hain.

Is ka hal kya hai? Aise logon ko 'unfriend' aur 'unfollow' kar dein aur aise logon ki talash karein jo aap ko shopping waghera se hat kar mutasir karte hain.

24/7 kharch karna

Ek zamana woh bhi tha ke aap peer se jumma tak sirf tijarati auqat mein hi shopping karte thay ya phir bohot zyada hua to shanichar, itwaar ko shaam der tak shopping kar li.

Lekin ab aap kisi bhi waqt apne mobile phone se paisa kharch kar saktay hain. Jaise Jumma ki raat aap Netflix par film dekhte huay bore ho gaye to aap ne online shopping kar li.

Haftay mein saaton din aur 24 ghante shopping ki apni salahiyat par lagaam lagane ke liye apni shopping ke auqat par had qaim karein.

Is ka matlab yeh hua ke aap yeh tay kar lein ke din ke kisi khaas hisay mein hi kharch karna hai, to phir agar aap TV dekhte huay bore ho jayein to aap ko paisay kharch karne ka khatra nahi rahega.

Aasani se dastiyab qarz

Yeh sirf credit card tak mehdood nahi hai balki aisi sahulatain bhi dastiyab hain jinke tehat aap 'tankhwah ke din ke liye qarz' le saktay hain ya phir 'abhi khariden baad mein ada karein' ke tehat aap cheezen kharid lete hain aur adaigi ki zimmedari ko filfor taal dete hain.

Tehqiq mein yeh baat samne aayi hai ke hum credit card ki wajah se mamool se zyada kharch karte hain (kam az kam 10% zyada) kyunke hum credit card ko apne paisay ke tor par nahi dekhte.

Agar aap ke paas ek se zyada credit card hain aur aap har maah apne card ka bill ada nahi karte ya phir aap apni bachat se apne card ka bill har maah ada karte hain, to phir credit card na istimaal karne ka sakht faisla kar lein.

Apne card ko band karwa dein aur iski jagah apne debit card ke puranay tareeqe ka istimaal karein.

Tajziye se maflooj

Aaj kal khanay ki itni aqsaam aur darjay hain ke faisla karna intehai mushkil ho gaya hai. Aap vegan hon ya phir vegetarian, zyada carbohydrate wali cheezein khayein ya kam carbohydrate wali, zyada charbi wali ya kam charbi wali, organic ya phir sirf paid se gire phal khayein.

Aise mein yeh jaaye hairat nahi ke hum khanay ke intikhab ke baare mein confuse ho jayein.

Yahi soorat-e-haal humare paisay ke sath bhi hai.

Paisay kaise bachayein aur paisay kis tarah kharch karein? Is baare mein is qadar maloomat hain ke hum apne haath kharay kar dete hain ke iska faisla karna bohot mushkil hai.

Yahi wajah hai ke humare liye bunyadi baaton ka khayal rakhna zaroori hai. Humare liye apne kharch karne ke tareeqe aur humari zindagi ke maqsad ka mutala aur isko samajhna zaroori hai. Ek baar hum agar yeh kar lete hain to hum munasib tor par apne ikhrajaat ko tay kar saktay hain.

Zindagi jaisi mili hai waisi hi guzarna

Hum mein se bohot zyada log zindagi jis tarah mili usi tarah guzarte chalay jate hain aur ek din (aam tor par 30 se 40 saal ki umr mein) khud se poochhne par majboor hote hain ke 'main aakhir is haal mein kis tarah pohancha?'

Iske bajaye ek ba-hosh saarf banne ke baare mein ghour karein aur zindagi ko ek maqsad ke tehat guzarein.

Apne aap se poochein ke agar hum apni pasand ki zindagi khud tay karein to woh kaisi hogi?

Aur phir is baat par ghour karein ke iske husool ke liye aap ko aaj kya karne ki zarurat hai.

Apne mamool ke ikhrajaat ya bachat par rok lagane ke liye 30 dinon ka hadaf muqarrar karein jismein apni mamool ki aadaton ko az sar-e-nau tarteeb dene ke liye sirf apni buniyadi zaruratoun par hi tawajju markooz karein.

Hum tankhwah ke ghulam hain

Hum mein se zyada tar logon ki aamdani ka ek hi zariya hota hai jismein se hum ek tankhwah milne se doosri tankhwah milne ke din tak zyada tar paisa kharch kar dete hain.

Iske bajaye aap mukhtalif mad banayein taake aap ek hi bade pyale se na khaate jayein balki chhote chhote kai pyalon se khaayein.

Ismein rozana ke kharch ka ek mad ho sakta hai, bill ka alag mad, bachat ka mad, fazool kharchi ka mad waghera.

Apni aamdani ko in madoon mein munqasim kar dein aur phir rozana ke apne tay shuda mad ki raqam se hi kharch karein.

Ya phir aamdani ke doosray zariya talash karein jismein koi hungami kaam, juzwaktu kaam, sarmaaya kari ya phir property aur doosri cheezein ho sakti hain.

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Crédit :- BBC.COM/URDU