Pawisa hman dan leh kan rilru

March 31st, 2010 10:30 am by VaiVa

Kan pawisa hman dan hi, keimahni rilru theuh leh ngaihtuahna hian a ti danglamin min ngaihtuahtir dan a ti hrang thei hle. Hei hian kan sum ren dan leh kan hman huau huauna chhan te pawh hi a sawi fiah thawkhat hle.

Mental Accounting (rilrua pawisa hman dan tur chhut hran) hi a awlsam ber zawng chuan, mihringin a pawisa a hmuh dan a zir leh, a thawhchhuah dan a zira account hrang hrang a bithliah dan ti ila a sual awm love. Pawisa hlutna inang reng pawh hi kan rilru hian a hmun a zirin a hlutna a tidanglam thei hle bawk. Hei hi a hmun a zirin kan tan a thain a tha lo thei hle bawk. Keimahni hun lo kal zel tur ngaihtuah reng chung leh kan hma a pawisa dinhmun tur min ngaihtuahtir rengtu a nih chuan kan tan a tha viau ang. Amaherawhchu, kan sum enkawl thiam loh phah nana kan hman erawh chuan kan tan a thil tha lo tak min ngaihtuah tir theitu a ni bawk.

Kan hriat thiam zawk theih nan entirna nen han pe ta ila:

Bank-ah Cheng Nuai 5 Fixed Deposit in dah dawn ta ila. Hei hi nakin hnu lam a kan fate lo sei lenna tur leh an lehkha zir zawm zelna tur atana khek ni ta sela. Chutih laiin inhmun tha deuh mai Cheng Nuai 12 a lei mai theih hmu ta thut ila, lei ngei duh bawk si ila, Housing Loan lak dan tur han ngaihtuah zui ta zel bawk ila. Lei tur angah lo inngai ta ila, Housing loan kha kum 10 atana interest rate kum khat ah 10% ni ta sela (kum tin in kan puk zat atang khan 10% in a pung zel tih na ani ber ang chu). Tin, Fixed Deposit-a nuai 5 kan dah kha kum khat ah 8% return (kum tin kan deposit zat atangin 8% hlawkna kan hmu zel) lo dawng ve bawk ila,

ENGTIN NGE KAN TIH ANG LE?
Mi tam tak tan chuan kan Cheng nuai 5 fixed deposit-a kan dah kha kan rilru a ngaihtuah tel miah lovin Cheng nuai 12 man Home Loan kan lak tlangpui a rinawm mai bakah a awlsam hmel berin a lang hle. Cheng nuai 5 kha chu fate tan a kan dah hran ve liau liau anih avangin khawih chingpen loh kan duh vek a rinawm bawk. Amaherawhchu hei hi Behavioural Scientists ho ngaih ve danah chuan inchhut lo tak leh inngaihtuah lo taka thil ti kan ni der mai.

ENGVANG NGE?
Cheng nuai 5 kan neih kha in hmun lei nan chuan hmang ta zawk ila, chuan a bak zawng cheng nuai 7 kha chu Home Loan la ta zawk ila, cheng nuai nga kan pawisa atanga kan hman vang khan, kum tin kum sawm chhung 2% (10% – 8%) kan save theih phah dawn a ni.

A chunga kan han tarlan ang khi a tam zawkin a kan tih lohna chhan ber nia lang chu fate lo seilenna tur leh an lehkha zir zelna tur (Education Account) leh Home Loan Account hi kan rilruin a hrana kan ngaih tlat vang a ni. Hei vang hian kan pawisa sen tur zawng zawng a tlem zawk theihna tur kan ngaihtuah theih loh phah ta a ni.

A chi danglam deuh hlek in han ngaihtuah leh ta ila:
Cinema en turin ticket Rs.150-in lei ta ila, Cinema Hall kalkawngah ticket chu tibo leh ta si ila, ticket thar Rs.150 a han lei nawn leh chu kan hreh viau vek a rinawm hle.

Cinema ticket lak hma khan Rs.150 kan ipte atangin miin min lo ruk sak sela, ticket lei tur a kal mek ni ta ila, ticket chu kan lei loh phah ang em? Kan pawisa tihbo avang khan ticket chu kan lei loh phah a rinawm loh hle. Kan pawisa hloh zat (ticket tihbo leh miin a pawisa min ruk sak avangin) a in ang reng tho si a, engvangin nge pakhatah ticket lei leh kan hreh a, pakhat zawkah kan hreh vak lohna chhan ni ang le? A chhan chu kan rilruah khan cinema enna tur liau liauvin Rs. 150 kha kan lo bithliah tawh vang a ni. Hei hi account hran angin kan rilruah a nghet bur tawh a ni.

Ticket kan tihbo khan kan pawisa sen tur zat kha a vai in Rs. 300 a ni dawn ani tih kan rilru in a hre kar ta ani. Hei hi Cinema ticket leina tur kan rilru a Account kan lo siam tawh vang ani. A lehlam ah kan ipte a mi Rs. 150 mi in an ruk kha chuan kan rilru ah account a nei ve lem lo a, ipte a pawisa awm a ni mai a ni. Ipteah pawisa a tam phei chuan kan ngaihsak lo hle bawk ang. Hei vang hian ticket man aia tam emaw pawh chu miin min lo ruk sak se, ticket leina tur kan la neih tho chuan kan lei hreh phah chuang hauh lo ang.

Cheng nuai khat lo dawng ve tawp ta ila (lottery atangin emaw, eiruk atangin emaw :P ), bazarah kal ta nghal ila, nidanga kan thil lei thin ang tho kan lei ang nge nidanga ka lei thin aia tha deuh leh to deuh ka zawng ang. A nih loh leh, ka bank accountah pawisa ka neih zat anga ka hriat aiin cheng nuai khatin lo tam si sela, bazar ta tho bawk ila, a chunga mi ang tho khian decision siam ngai ta sela, nidanga ka lei thin aia thil tha leh to ka zawng tho ang em?

Mi tam zawk chuan (keimah tiam in) cheng nuai khat dawng tawp chu ni ila, han lei to viau pawh chu a pawina hre lovin kan hreh lo viau ang a. Kan bank accounta pawisa kan rin aia kan lo ngah deuh avang erawh chuan kan lei to phah kher lo ang. Amaherawhchu, hei hi thil tha ber a ni lo tlat. Kan rilru a Account hran hran anga kan thliar hran avang tak hian dawn hmaih (Thinking Lapsation) kan neih phah a, hei tak hi Mental Accounting chu a ni reng a ni. Pawisa cheng nuai khat chu cheng nuai khat a ni tih min pawmtir mai lovin, a pawisa lo kalna leh kan hman dang avangin kan ngaihdan a tihdanglam tir daih a, chi hran hranah min thliar tir bawk a ni.

A tawp ber atan, kan vengah kawrlum ka duh deuh mai kha zuar ta sela, veng mawng tawp lamah kan venga mi ai khan cheng 150-in tlawm ta sela, khawia mi nge ka lei zawk ang? Kan rilru a lo awm hmasa ber tura lang chu a tlawmna man zat ringawt kha a ni ngei ang. Veng dang thui zawng leh hlat zawng kha chu lirthei kan neih phei chuan kan rilruah chuan a lang kher tawh lo mai thei a ni. A hmun va thlen nana kan kalna man tur tih vel kha chu rilruah a lang tawh kher lo mai thei a ni.

(He article hi a ziaktu phalna nen a rawn chhuah chhawn a ni e)- VaiVa

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25 Responses to “Pawisa hman dan leh kan rilru”

  1. 1
    Aryan Says:

    Mi hausa apiang hian sum hlutna an hria a, an fimkhur zawk bawka, mi rethei hovin uikawm an tih phah thin :(

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  2. 2
    ^-||RaLtE||-^ Says:

    2nd na tur chu nakinah ka ron coment ang :-)

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  3. 3
    Maisek Says:

    Post tha khawp mai, kan hlawk pui tur ngei ani e. Pawisa hman hi chhut thiam a tul zia min hriatchhuah tir e.

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  4. 4
    swiftymcvay Says:

    Khing khi kan ngaihpoimoh a ngai khop mai….ti tha e

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  5. 5
    caribou Says:

    He article hi uluk takin i ziak a, nangma phalna ngeiin i rawn chhuah nghal bawk ani maw? Midang hming reng reng ka hmulo nia.
    I ziak tha khawp mai.
    Zawhna:
    Neih zawng zawnga bakah pung neia puk chawpin inhmun leh in lei nge hlawk ang a mahni fate zirna tur atana lo inkhawl bek bek hi? Zirna thaa lut tur chuan senso a tam dawn si.

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  6. 6
    Sony Says:

    Vaiva chu a chhut thui khawp mai. Mi tam ber hian pawisa hman dan kan thiam lo. Insum vek an insum lutuk a, renlo vek lah an neih aia tam an hmang ral. Mahse ka sawi tawh bawk. Dan zawh kim thlapa sum lakluh chiah a hlu. Eiruk sum chuan pawisa lem pawh a thuk lo. Tin, hausa tan pawh fate sum pek hi chin a awm. Anmahnia eizawnna an hmuh theih khawpa zirtir chiah an ngai. An ei tur leh pawisa sen tur kum 20-25 annih bak tumsak tur ani lo. Chuti lo chuan mi anglo ah kan siam ani mai.

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  7. 7
    lushai_er Says:

    Nitin kan ei khawpin chaw min pe ang che…tih nen a va in persan deuh ve!

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  8. 8
    I.Hnamte Says:

    Vaiva chu rawn thawh tha khawp mai mi ziah rawn chhuah chhawn leh pawh ni se.

    Pawisa hlutna hre tur chuan mahni ngei hian han thawk chhuak ila chiang deuh hlek…midang thawh chhuah sa lo hmang liam mai loh hian….

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  9. 9
    sillyBoy Says:

    Mizote hi pawisa hman kan thiam lo kan ti thin a, kan hmang thiam lutuk mah mah hi a buaithlak zawka ni. Dik tak leh rim taka thawhchhuah hi chu a lo thlawn mai maia deh ral hi chu a harsa a, enge maw ti mai maia hmuh hi chu ho lam taka hman ral hi a awlsam viau. Saving lam uar hi an inchhir lo zel a nih hi maw.

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  10. 10
    shabito Says:

    Tui renlo mi te hian pawisa an ren lo deuh tlangpui an ti. Ren loh tur pawisa nei ila ka va ti, Tui ka renlo ropui si a. :)

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  11. 11
    badboy Says:

    Pawisa hman loh a a awm mai mai hi ka hmu thei der lo ;) ka at vang te pawh niang hman tur duh a vang a kan thawhchhuah ve tawk tawk hman phal lo a ui leh trawt hi ka tei thei der lo kan dam chuan kan thawk chhuak leh mai turah ka ngai, pawisa vaibelchhe tlawh muk 10 vel nei ila kan thihsan leh daih sia nga awmzia a awm awmlo te ka ti thin :lol: ka a ve chiang lawm :lol:

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  12. 12
    shailendra Says:

    Pawisa ka kawl chuan ka hmang thiam khawp. Ka duh zawng ka lei pep pep mai a ni… :twisted:

    VaiVa. i phawrh fuh khawp mai. Mahse, hman fimkhur hi a har ka ti…

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  13. 13
    badboy Says:

    @Pu Shai: i duh zawng **** **** i lei pep pep zel mai ni maw,hahaha :lol:

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  14. 14
    VaiVa Says:

    He article hi keima ziah a ni lo va. A neitupa in credit a la duh bawk si lo va. Tlema thu leh hla ti danglamin ka rawn share a nih hi. Tha ka ti em a mi(sual) ho tello va chhiar ah chuan ka ui a tin ni.

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  15. 15
    Sony Says:

    I ti tha lutuk.

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  16. 16
    paeia Says:

    Pawisa hman thiam hi hmuhchhuah tlukin a hlu.

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  17. 17
    sillyBoy Says:

    Tichuan tlem tidanglam hretin Vaiva chuan credit chu a la ta a.. :D Mi kuhmumah a lo par ta a.. Vaiva, vawiin hian i tuichhung luhpui thin khan nupui a nei a nia!!!

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  18. 18
    Lexi_tla Says:

    He ti em em a hawlkim Vaiva kan nei hi vanneihtlak hle mai. Ka tangkaipui thin khawp mai.

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  19. 19
    XaiA Says:

    Pawisa hi chu keini ang Senior lam hi chuan han ak trun mai ila,thla a muang deuh :lol:

    Hman thiam a ngai,kan hmang thiam lu tuk hian kan lo hmang zo leh zung zung thin…

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  20. 20
    XaiA Says:

    Pawisa hi chu keini ang Senior lam hi chuan han ak trun mai ila,thla a muang deuh :lol:

    Hman thiam a ngai,kan hmang thiam lu tuk hian kan lo hmang zo leh zung zung thin…

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  21. 21
    hehe Says:

    he thu ziak hmang hian ka lo ngaihtuah ve dan thin leh thra ka tih em em i rawn sawi chhuak a …ka lo sermon ve fo tawhna a ni bawk…hun leh sum hman thiam hi chu a hlu em a ni…100% in thra ka ti ee….

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  22. 22
    chawnghilh Says:

    Pawisa aiin kan hlu zàwk. Kan awmpui-pa phei chuan, “Pawisa te chu —hman chhûng daih lek,” a ti vei zàwrh zàwrh thìn! Budgetting mahnî tàwka thiamte’n an dinchànpui!

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  23. 23
    Kawnga Says:

    Mizo tawng tak hi chu aw…

    Pawisa hmang thiam lo hi kan vang khawp ang. Har hek lo. Mahse, pawisa hmang thiam ti-a kan sawi hian inren thiam leh a tul chauhva pawisa hmang thin an ni reng sia.

    Miin ‘A va uikawm mai mai e’ ti-a min sawi khawp hian inrenthiam ila, a tul hunah erawh chuan ‘A va mak huau huau ve mawle’ ti-a min sawi khawp hi ni leh si ila, ka duh dan chu a ni e. Hman tur neih phawt chuan. Kan hriat reng tur chu – Sum hi mihring vanga awm a ni a, mihring kan awm loh chuan Sum hi a awm thei lo. Chuvangin Sum hi mihring aia dah pawimawh ngai loh tur. Sum hi keimah emaw ka chhungte emaw Pathian emaw aia ka dah pawimawh phawt chuan ka tan chhiatna a hnai tihna a ni chawk.

    A hman hun dik leh a ui hun dik tak hre turin ngaihtuah chiang peih ila. Kan thawhchhuah a tam emaw a tlem emaw kan buai ngai lovang.

    Mahse, a har khawp mai… :)

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  24. 24
    H.Vangchhia Says:

    Heihi ka duh tlat, a nih duh hmel ka ti ve mai mai.

    Mobile nei ban phar rawh u ti ila, kan phar vek ang a, top up-a intodelh lo zawng phar rawh u ti ila kan phar leh suau bawk ang : R.Lalngheta

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  25. 25
    maawma Says:

    Hetiang lamah hi chuan Vai ho hi an entawn tlak khawp mai, mutia thleng hian an thiam emaw tih mai tur emaw ni. Thil an lei dawn hian vawi tam tak an in ngaihtuah nawn fo

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