CHHUNGKAW FINANCIAL MANAGEMENT
Khatia sorkar hna a han hmuh khan a hlim hle mai a. Thlatin Rs. 1,00,000 (cheng nuai khat) a hlawh a. Hetihlai hunlai hi an chhungkua an hautak vanglai a ni. In luah man, an fate zirna senso, tui bill, electric bill, etc. te pek a lo ngai a, thla tin mai hian a hlawh chu han dah ṭhat em em tur awm loin an hmang tawk viau a ni.
Mi hring ve ta lem, rual an lo awt ve lo thei lo a. An fanu college kallai chuan scooty a awt em em mai a, a fapain phone thar a lo awt ve nasa mai a, nu ber lahin thawmhnaw changkang ve deuh lei a lo duh bawk a. Hengte hi an chhungkuain rual an pawl ve nan leh hmasawn nan an mamawh ve tlat a ni.
Scenario 1: Pa ber chuan "nakum July thlaah ka hlawh 3% increment ka hmu dawn a, thla tin Rs. 3000 vel kan neih belh dawn tihna a nia. Tin, kan fate hian kum thar aṭang chuan nitin tiffin pai ve tawh sela, an restaurant chawlhna senso thlatin Rs. 4000 vel lai kan hum thei bawk ang a... chumi hunah chuan thla tina Rs. 5000 vela rulh turin Rs. 2,00,000 (cheng nuai hnih) loan kan la ang a, kan la lei dawn nia" a ti a. Chumi hun chu an nghak ta a...
Scenario 2: Pa ber chuan "kan ti ve thei naw naw mai ang, thla tlina Rs. 5000 a rulh turin thla tharah loan cheng nuai hnih kan la dawn nia" a ti a. An mamawh chu an lei ta a, an hlimin a nui ver ver mai.
Engtin nge ni ta zel....
Scenario 1 - An chhungkaw sum lakluh a pun mai bakah inrenchemna an kalpui vangin thlatin Rs. 1,07,000 vel zet an kutah a awm a, chhungkaw mamawh leh loan rulhna Rs. 5000 an pek hnuah pawh Rs. 2000 a la chuang a, hei hi chu thil man pung zelah an dinhmun venna atan a tawk viau a ni.
An chhungkaw sum dinhmun a la him rih viau a, thlamuang takin an hlim a ni... an thlamuan chhan hi economics zirho chuan loan puk nghal ngawt loa revenue surplus an neih hun an nghah vang a ni an ti ang.
Scenario 2 - An thil duh leh awh te an nei a, a hlim tlang khawp mai. Mahse, a thla leh aṭangin chhungkaw sum hmanna pangngai bakah loan rulhna Rs. 5000 pek a lo ngai ta a, an thil lei thar scooty petrol & repair na senso a lo ngai a, phone top up a lo ngai bawk a. Thla tin Rs.5000 chuangin an indaih lo chho ṭan ta tlat mai. Nu ber mangang chuan a pa te lam puk turin a va dil a, an lo pe mai a, thla lehah pawh chutiang thoa an indaih leh tak lohah chuan ṭhenawm khawvengte ta puk tur an zawng leh ta a.
An buaina a kal zel. Bank lamin an loan rulhna an debit sak hmain hlawh luh rual rualin ATM aṭangin pawisa a la chhuak ta mai a. Thla hnih vel a tih meuh chuan a account chu bank lamin an lo hrek (freeze) sak a lo ngai ta. Ama hlawh ngei a lakna pawh chu a buai chho ta tlat mai. Buaina a inṭan dawn chauh a ni, an buai chhan hi economics zir ho chuan revenue deficit nei chunga sum an puk zel vang a ni an ti.
Engtin nge ni ta zel ang? He chhungkua hian engnge an mamawh tak ber ni a i hriat?
- Dr James LT Thanga