CHHUNGKAW SUM HMAN DAN LEH KHAWL DAN

Pawisa hman dan (Financial Management) hi a thuin han sawi ṭhin bawk mah ila, a tak taka hman dik chu a harsa ṭhin. Mahse a pawimawh hle si.

Hausak leh hausak loh hi sum deh chhuah hnemah a innghat lova, sum dehchhuah sa hman thiam leh thiam lohah a innghat. Michael-a chu 2002 khan kum 19 mi niin Lottery ah US Dollar maktaduai 14 lai a man a. Khatih laia India pawisa hlutzawng aṭanga chhutin India cheng 672,000,000 vel lai hu a ni. Maruti car 2,600 chuang fe lei theihna khawpa tam a ni.

Mahse Michael-a chuan a pawisa chu a hmang (manage) thiam awmzawng lo. Tlereuh leh damdawi ruihhlo chi hrang hrang, ‘a mamawh miah loh’ lei nan a hmang ham ham reng a. Vawiin, a kum 20-naah chuan Scotland ramah lungalhthei laih chhuah hna a thawk a, mangkhawh haw ang maiin a taksa chu a dum phung reng mai a ni. Hei hian sum manage thiam loh pawizia a tichiang viau awm e.

Benjamin Franklin chuan “Cheng khat hmang ral lova i khawl apiangin cheng khat i hlawh chhuak a ni,” a lo ti daih tawh - he thu hi ngun taka Mizo mipuite hian kan zir a ṭul. Pawisa hman hi a nuam si a.

Pawisa hmang thiam leh thiam lo hi sum lakluh zat inang rengah pawh awihawm lo khawpin a inthlauh theih. Mahni hlawh zat chiah hlawh te in hnuai luah ngar ngar pawh sawi tur an awm. Chuvangin, sum hman dan hi zir a ngai em em a ni. Mithiamte thusawi ṭhenkhat aṭangte leh keima tawnhriat aṭang tein sawi i han tum teh ang.

Mizo chhungkaw naran, member 5 awmna chhungkua in ni a, in chhungkaw sum lakluh chu thla khatah Rs 35,000 vel ni ta se. Chu chu felfai takin eng tin nge i hman ral ang?

1. A chhuak tur chiang sa dah ṭhat nghal: Awmze neia sum hmang tur chuan hei hi a pawimawh hmasa ber. Chhungkaw tin hian pangngai taka nung mawl ve tawp tur pawh hian sum tam tak kan thawh chhuah a ngai hrim hrim. Chung sum chhuak ngei ngei turte chu hengte hi an ni a.

i) Sawma pakhat Rs. 3,500

(Mizo christian chhungkaw ṭha pangngai chuan kan pe vek)

ii) In/ dawr luah man (mi dawr/in luahte tak bik) Rs 5,000 - 8,000 vel

iii) Gas lakna man - Rs 1,250 vel

iv) Tui bill Rs. 200-800 vel

v) Ration buhfai khulna tur Rs 700 vel

vii) Electric Bill Rs. 300-800 vel

viii) naupang monthly fee Rs 1,000 vel

viii) Phone top up thun man Rs 700 vel

ix) Lirthei petrol Rs 800 man vel

xi) Kuhva man Rs 2,000 vel

xii) Zial man Rs 3,000 vel

Han belhkhawm chhin teh ang. Chhungkaw pangngai, mahni in luah, zuk leh hmuam pawh ti miah lo, nupa felfai tak tan pawh mamawh dang lei belh miah lovin Rs 9,000 vel kha a thawh chhuah aṭanga a chhuah nghal vek a ngai. Chu chu 25% vel a ni.

Mi in luah, zial leh kuhva heh pangngai tak (hetiang mi hi kan tam a nia) tan phei chuan Rs 19,000 vel a chhuah hrim hrim a ngai. Chu chu 57% vel a ni.

Heng thla tina chhuak tur chiang sa hi thlabi hlawh la tan chuan account-a a lo luh veleh cash-a lak chhuah a, mahni ina him taka envelope-a thun hran thliah thliah a ṭha ber. (Envelope kawmah a hming ziah vek tur). Hetiang hian kum rei tak kha kan ti ngai lova, a tla chawpin kan nung mai mai a, kan buai fo mai. Hetianga kan tih tak chinah hi chuan kan buai tawh ngai lo.

Thla bi hlawh la lo tan pawh hetiang hian tih tho a ṭha. A tuaka tuak bek bek system hi hman ngei ngei a ngai a ni.

2. Hunbi neia ba pek: Mizote hi ba mai hnam kan ni a, kan inba kual vel vek mai. Ei chawp dawrteah phei chuan kan ba nasa viau hlawm. Heng kan bate hi thil pawi lutuk phei zawng a ni lo, kan pek leh ziah chuan. Thla bi hlawh la tan hlawh lak rual rualin ni rei rial lovin dawr bate pek nghal vat a ṭha ber, chu chu buai lohna a ni a, mi rin ngam nihna a ni bawk. Thla bi hlawh la lo tan chuan baa thil lak loh hram a him ber; a theih ngang lo a nih chuan pawisa dawn apianga tlemte te tala ba rulh ziah tur a ni.

3. Saving tih ngei ngei tur: Sum hman dan method hi mithiamte chuan heti hian an sawi ṭhin. 50-30-20 Rule tiin. A awmzia chu kan sum hmuh zawng zawng 50% kha loh theih loha kan mamawh lei nan kan hmang ang, 30% kha kan duhzawng lei nan, 20% kha kan khawl ang, tiin. Saving hi a tlem emaw a tam emaw, tih ngei ngei tur a ni.

Mihring chin hriat a ni lova - damlo thei, thi thei, tawhsual tawk thei, hun khirh tak, hna thawh theih miah loh hun (eg. Covid len lai) te pawh tawk thei reng kan ni. Saving tih hian a hmasa berah chuan dam loha hman tur hi ngaih pawhmawh phawt tur. Sawrkar hna nghet neite tan chuan ngaihtuah hran a ngai lutuk lo mai thei a, ni lem lo tan chuan Golden Card neih ngei ngei a ṭha. Health Care scheme-ah in ziah luh theih hram a ṭha hle bawk.

A dawt lehah chuan Life insurance lam eng emaw ber hi mahni chhungkaw kimin tih ngei ngei a ṭha. A lo berah bank lama Rs 365 kum tina pek ṭhin ang tal hi. Thih te hian lukhawng nei miah lova arte thih tawp loh a ṭha khawp mai - kan thihsan chhungten sum tlem tal an lo dawn let ve theihna tur hi dap ngei ngei tur a ni.

A dawt lehah chuan emergency-a hman tur tlem tal khawl tur. Chu chu loh theih loh (chhiatna lampang) ah chauh lo chuan hman phal hauh loh tur a ni.

3. Tuak bek bek method: Mizo society-ah chuan nasa takin kum tawpah christmas kan hmang ṭhin. Kan hman lai hian hna kan thawk meuh lo a, inhlawh mi tan pawh hna a vang hrim hrim. December thlaah sawrkar hnathawk hlawh a pung thut ngai chuang lova, nitina inhlawhfa chawp tan pawh hna a tam sawt chuang lo. Chuti chung chuan Christmas leh kumthar thawhlawm kan pek ngei ngei a ngai a, kan faten thawmhnaw thar an ngen dawn a, khua a vawh tak sawt avang­in thawmhnaw lum tlem tal kan chhung­kuain lei deuh vek a ngai leh dawn. Eng tin nge kan tih ang?

Hetiang hian ti la, i buai ngai tawh lovang. I bawm siamah khan ‘Christmas Expenditure’ tih hi ziak tel la. Kum tir aṭangin tah chuan pawisa khawl ve bek bek la, tichuan December thlaah meuh chuan i mamawh phuhru khawp i khawl tawh ang.

4. Thil ṭul lo i lei fo chuan i rethei reng ang: Kuva leh zial i heh hle chuan a lei nan sum i hmang ṭeuh ang a, sum i khawl hlei thei lovang. Zu i in ṭhin ngat phei chuan i tan sum khawl chu theih loh hulhual aia nep deuh hrat chauh a ni ang. Khawl leh electronic thil mak pui pui, to deuh deuh lei thut thut ching mi pawh an lem chuang lo.

Chuvangin mihring nuna min tibuai em emtu sum indaihlohna tinep tur chuan heng i mamawh miah lohte lei lo turin nghei ngei tum ang che. Thil thar lei i duh pawhin tuak bek bek system kha hman fo a ṭha ber.

- Zomawia Khiangte Goshen Home, Biate