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cybernepali
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Posted on 12-09-14 2:29
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 जाने श्रीखण्ड नजाने खुर्पाको बिँड भनेजस्तै आफ्नो नियमित व्यवहार र गतिविधिले तपाईँ हाम्रो दैनिक जीवनमा ठुलो फरक पार्दछ र महत्व राख्दछ पनि । तपाईँ हाम्रा आर्थिक समृद्धशाली बन्ने, जीवनलाई सरल र सहज ढङ्गले चलाउने र आफ्नो प्रवृत्तिलाई व्यवस्थित र सन्तुलित गर्न सके भविष्यमा थुप्रै अप्ठ्यारा आर्थिक कठिनाइ र समस्याबाट गुज्रिने अवस्थाबाट बचाउन सक्दछ । हामी संसारको समृद्धशाली र अवसर र आर्थिक स्वतन्त्रताको मुलुक अमेरिकामा बसेको भनिए पनि सोचेजस्तो र कल्पना गरेजस्तो छैन यो अमेरिका ।
कडा परिश्रम गर्नैपर्छ । काम गर्नैपर्छ र श्रम गर्नैपर्छ, जीवन चलाउन र बिल तिर्न । अमेरिकामा श्रमको सम्मान त छ नै । आफ्नो परिश्रमबाट आर्जेको पारिश्रमिक र अर्थ सन्तुलित, व्यवस्थित र निगरानीपूर्वक चल्न चलाउन सकिएन भने अमेरिकामा रहे पनि हामीले सोचेजस्तो आर्थिक स्वतन्त्रता प्राप्त गर्न सकिँदैन । र, सर्वदा अभावमै जीवन गुजार्नुको अर्को विकल्प छैन पनि । आफूले आर्जन गरेको डलर कसरी बचत गर्न सकिन्छ ? कसरी खर्च कटौती गर्न सकिन्छ ? कसरी कम खर्च वा डलरबाट बढीभन्दा बढी सुविधा र सहुलियत प्राप्त गर्न सकिन्छ ? यसका लागि आवश्यक उपायहरू कसरी अवलम्बन गर्ने र कसरी जानकारी प्राप्त गर्ने भन्ने कुराहरू बढी महत्वपूर्ण हुन्छ । त्यसैले मैले खर्च कटौतीका उपायहरू सबैलाई उपयोगी हुनसक्छ भन्ने अभिप्रायले यहाँहरू माझ यो लेख प्रस्तुत गरेको छु । कसरी आफ्नो औकातभन्दा बढी वा कमाएको भन्दा कम खर्च गर्ने भन्ने नै सबैभन्दा महत्वपूर्ण कुरा हो । कमाउने ५ डलर तर खर्च गर्ने त्योभन्दा बढी हुँदा हाम्रो दैनिक जीवन असन्तुलित र अव्यवस्थित हुन पुग्दछ ।
आफूले सामान किन्दा अनलाइनबाट खरिद गर्दा सस्तो पर्न आउँछ । त्यसैगरी घरमा टेलिफोन, इन्टरनेट र टिभीलाई बन्डलको रूपमा एकमुष्ट सेवा लिँदा पैसा निकै सस्तो र सहुलियत हुन्छ । आफ्नो क्रेडिट स्कोरमा सुधार ल्याउने, सहुलियतमा प्राप्त हुने वस्तुहरू किन्दा रिवेटको अवसर हेर्ने, घरमा ग्यासबाट हिटर प्रयोग गर्ने, बेलाबेलामा मोर्टगेज कम्पनीलाई ब्याजदर घटाउन अनुरोध गर्ने, आफ्नो क्रेडिट कार्डमा ब्याजदर घटाउन अनुरोध गर्ने, घरलाई समयपश्चात् रिफाइनान्स गराउने, घरको बिमा लिँदा निजी बिमा कम्पनीलाई निगरानी राख्ने आदि कार्यबाट थुप्रै डलर बचाउन सकिन्छ । त्यसैगरी म्यागेजिन, किताब, डीभीडीहरू खरिद गर्नुभन्दा लाइब्रेरी र रेडबक्स वा रेन्टल सेवाबाट सस्तो पर्न जानेछ । त्यसैगरी कार किन्दा अनलाइनबाट सस्तो डिलरहरू हेर्न सकिन्छ । जसबाट पनि केही डलर बचाउन सकिन्छ । बैङ्कमा चेकिङ खाता खोल्दा शुल्क नलिने बैङ्क खोज्ने, शुल्क लिन थालेमा अर्को बैङ्क परिवर्तन गर्न सकिनेछ । बचत खातामा ब्याज पनि आउने हुँदा खाता खोल्नुअघि राम्ररी सोधपुछ गरी निःशुल्क खाता खोल्दा वर्षमा केही डलर बचाउन सकिनेछ । घुम्दा, भ्रमण गर्दा, रिवार्ड कार्डहरू प्रयोग गर्ने, क्रेडिट कार्डको शून्य ब्याजदर र गतिविधिलाई निगरानी राखिराख्ने र सकेसम्म क्रेडिक कार्ड प्रयोगमा कमी ल्याउने गर्नुपर्दछ ।जसले तनावबाट बचाउँछ र डलर पनि जोगाउँछ । किफायती बानी व्यवहारबाट पनि हाम्रो दैनिक जीवनमा ठुलो राहत पुग्दछ । घरमा फ्लोरसेन्ट बत्ती प्रयोग गर्ने, पानीको प्रयोगमा किफायती गर्ने, फोहोर कम्पनीलाई हप्ताबाट अर्धमासिक सेवामा लैजाने, घरमा प्रयोग नहुने कोठाको भेन्टिलेसन बन्द गरी तातो र चिसो लगाउँदा उठ्ने खर्चमा कमी गराउने । त्यसैगरी कार–गाडी प्रयोग खरिद तथा प्रयोग गर्दा सकेसम्म प्रयोग गरिसकेको किन्ने र लामो समयसम्म चलाउने ।
बिमा किन्दा प्रिमियम नकिन्ने, जसबाट थुप्रै डलर जोगाउन सकिनेछ । कार, सम्पति वा घरको बिमा किन्दा सकेसम्म डिटक्टेबल मूल्य बढाउँदा सानातिना क्षतिहरू आफैँले ब्यहोर्दा बिमा बढ्ने भएमा त्यस्तो बिमा हटाइदिने । त्यसो गर्दा खराब बिमा रेकर्ड रहने अवस्थाबाट बच्न सकिनेछ । त्यसैगरी क्षतिको बिमा र अवस्था हेरेर र बुझेर मात्र बिमाबाट भुक्तानी दाबी गर्दा भविष्यमा बिमाबाट लाग्ने अतिरिक्त शुल्क वा मूल्यबाट बच्न सकिनेछ । त्यसैगरी सेलफोन प्रयोग गर्दा वा गरिएको छ भने घरको जमिन लाइन फोन हटाइदिने र किफायती बन्ने । इन्टरनेट सेवा कम चलाउने । टिभीका अनावश्यक च्यानलहरू हटाइदिने । सेलफोन किन्दा परिवारको अन्य सदस्यलाई समेत हुनेगरी सस्तो ‘परिवार योजना’अन्तर्गत लिँदा सस्तो र किफायती हुन्छ । सकेसम्म प्रिपेड फोन प्रयोग गर्दा धेरै नै सस्तो पर्न जान्छ । त्यसैगरी विवाह, भोज, ब्रतवन्ध वा अन्य जमघट तथा समारोहको उपहारमा सीमित, सहुलियत, आवश्यक र किफायती ढङ्गले आफूलाई सीमावद्ध गर्दा ठुलो समुदायमा बस्ने मानिसहरूलाई धेरै राहत पुग्न सक्छ । घरमा सकेसम्म शाकाहारी बन्दा किफायती बन्न सकिन्छ । मासु, मसला वा अन्य सौखिन खाना कटौती गरी स्वस्थ खानातर्फ जोड दिँदा धेरै खर्च कटौती हुन पुग्दछ । आफू सकेसम्म स्वस्थ रहने, स्वस्थ का लागि हरदम प्रयास गर्ने । जसबाट डाक्टरकहाँ धाउने, औषधी किन्ने आदि खर्चबाट बच्न सकिनेछ । हेल्थ क्लबको सदस्यता नलिने, काममा जाँदा घरबाटै खाना लैजाने, बाहिर खाने बानीमा कमी ल्याउँदा बढी स्वस्थ हुनुका साथै किफायती पनि हुन्छ । धूम्रपान गर्दै नगर्ने र रक्सी सेवन गर्ने बानी भएमा त्यसलाई कमी गर्न सके स्वस्थ हुनुका साथै बिमामा कमी र पैसा जोगाउन सकिनेछ । जीवन बिमा किन्दा समयसीमा जीवन बिमाबाट अतिरिक्त शुल्कबाट बच्न सकिनेछ ।
त्यसैगरी स–साना बस्तुहरू किन्दा वारेन्टी अफर स्वीकार नगर्दा राम्रो हुन्छ । सामान किन्दा सस्तो वा संख्यात्मकभन्दा बढी गुणात्मक सामान खरिद गर्नुपर्छ । गुणात्मक सामान किन्दा बढी मूल्य परे पनि अन्ततोगत्वा यसबाट खर्चमा कमी आउँछ । गुणात्मक किन्दा एक पटक चिन्ता हुन्छ भने सस्तो किन्दा सधैँ चिन्तित हुनुपर्छ । सामान किन्दा रिवेट, एउटा किन्दा अर्को सीत्तैमा वा दुई वटा किन्दा अर्को सीत्तैमा जस्ता सहुलियत अमेरिकामा प्रसस्तै देख्न र सुन्न पाइन्छ । यो मुलुकको अर्थब्यवस्था तथा बजार सहुलियत सिद्धान्तमा आधारित छ । त्यसैगरी काम गर्दा अवकासपछि जम्मा भएको पैसा निम्न खर्चअन्तर्गत संयुक्त कोष ४०१ (के) मा ध्यान दिनुपर्छ । यसबाट पे चेकमा कमी आउँदैन र भविष्यमा उचित कोष जम्मा हुन पुग्दछ । सकेसम्म रोजगारदाताबाट प्राप्त हुने ४०१ (के) को योगदानको फाइदालाई हेर्नुपर्दछ । त्यसैगरी अर्को महत्वपूर्ण कुरा भनेको सेवा प्रयोग गरेवापत तिर्नुपर्ने भुक्तानी समयमै तिर्ने, भुक्तानी झुक्किने समस्यामा कमी ल्याउनुपर्छ । र, यसलाई सकेसम्म व्यवस्थित बनाउनुपर्छ । जसबाट पनि थुप्रै डलर जोगाउन सकिन्छ । आफ्नो बिल बैङ्कमार्फत आफ्से आफ तिर्ने प्रणाली वा भुक्तानी सकेसम्म नबिर्सिनु नै राम्रो हुन्छ । घरमा इन्सुलेसन प्रयोग गर्दा खर्च र वातावरण जोगिने हुँदा त्यसतर्फ ध्यान दिने । परिवारमा सौहाद्र्धता बढाउने, मितब्ययी सिद्धान्त पालना गर्ने, असौहाद्र्धता, डिभोर्स वा बेमेलले ठुलो धनराशि खर्च हुन्छ । सकेसम्म सामान वस्तु खरिद गर्दा कुपन सहुलियत प्रयोग गरी ग्रोसरी किन्ने ।
शनिवार र आइतबारका पत्रिका, मेलमा आउने विभिन्न सहुलियत अफरको प्रयोगबाट पनि धेरै पैसा बचत हुन्छ । त्यसैगरी सप्ताहन्तमा लाग्ने मेला फ्लि मार्केट, कृषक बजार, यार्ड सेल आदिमा किनमेल गर्दा पनि धेरै डलर बचाउन सकिन्छ । घरमा विद्युतीय वस्तु एवं ग्यास प्रयोगमा व्यवस्थापन र निगरानीले पनि धेरै पैसा जोगाउन सकिनेछ । ग्यास प्रयोगमा कमी ल्याई डलर बचाउन व्यवस्थित रुटिङ बनाउन जरुरी छ । घरमा सकेसम्म पिगी बैङ्क, खुत्रुकेमा पैसा सङ्कलन गर्दा आपतकालीन अवस्थामा ठुलो राहत पुग्दछ । अपार्टमेन्ट लिँदा वा घरभाडामा बस्दा अर्को साथी पनि राख्दा किफायती हुन जानेछ । सकेसम्म आफ्नै बगैंचामा तरकारी, फलफूल लगाउने, ग्यास उपहार कार्ड प्रयोग गर्ने, पसलमा मिनरल वाटर किन्नुभन्दा घरमा वाटर फिल्टर राख्ने र विभिन्न अफरहरू आउँदा सकेसम्म ‘नो’ भन्ने बानी बनाउन जरुरी छ । त्यसैगरी आफ्नो आम्दानी राम्रो छ भने सरकारलाई नढाँट्ने, फूड स्टाम्प, विक जस्ता सामाजिक सरकारी सहुलियतहरू सकेसम्म प्रयोग नगर्दा राम्रो हुन्छ । यदि कम आम्दानी छ भनेचाहिँ यी सेवाहरू लिँदा हुन्छ । यस्ता थुप्रै उपायहरू छन्, जसबाट तपाईँ हामीले आर्थिक बचतका साथसाथै मानसिक शान्ति पनि प्राप्त गर्न सकिन्छ । आर्थिक व्यवस्थापन, किफायतीपन र सन्तुलनले हाम्रो दैनिक जीवनमा महत्वपूर्ण भूमिका खेल्दछ र शान्ति प्राप्तिको एक माध्यम हुन सक्छ । आफ्ना आनीबानी र फजुल खर्च कटौतीमा कमी ल्याउन कतिपय अवस्थामा आफ्ना प्रवृत्तिमै परिवर्तन ल्याउन आवश्यक छ भने कतिपय अवस्थामा नजानेका ध्यान पुर्याउन नसकिएका जानकारीहरू आफ्ना साथीभाइ, समाज, समाचार, अनलाइन वा अन्य माध्यमबाट प्राप्त गर्न सकिन्छ । असम्भव केही छैन । आजैबाट मितब्ययी बन्न सिकौं र आर्थिक स्वतन्त्रताको अवसरलाई सदुपयोग गरौँ ।
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gone12
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Posted on 12-09-14 3:23
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Good article.. ramro lagyo. tara sabai kharcha bachaera k ko lagi bachne ni ?
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sajhamitra
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Posted on 12-09-14 3:25
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Good article for newbies. I am already doing most of it.
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NepaliBudho
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Posted on 12-09-14 3:28
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के भनु खोइ? Thank you DV ज्यु .
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sajhamitra
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Posted on 12-09-14 3:32
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I would also like to share a good article which I copied from reddit related to buying used car. I find it very useful. First and foremost, LEARN TO BUY A USED CAR: You need to see it on a lift, remember suspension holds the wheels on and can cost between $1500-$5000 to replace. To check the shocks and struts: Open car door, stand on the jam, give it a bounce, it should travel down and back up ONCE. if it does anymore the car is riding on springs, this is a $1500 right off the bat, not fixing it will ruin tires and the springs. Find an area to drive the car in tight circles, listen for any creeking this generally indicates bad ball joints (which can kill you) or bad bushings which will degrade handling significantly. Look at it on a lift: Almost any component of the suspension that is a joint has a bushing, make sure the plastic bushings are not cracked, make sure any rubber boots are intact as well, a boot is seen where axles meet their wheel/differential, it looks like a rubber accordion and it holds oil to lubricate the joints inside, if they are cracking or damaged the oil will eventually drain and that joint will overheat and seize. Don't be afraid to pop the hood, make sure the engine bay is clean, check the oil, pull the dipstick and tap it ever so gently onto a paper towel, the oil will soak in and the dirt will sit on the towel, if there is a lot of dirt sitting on the towel it's a good bet the oil hasn't been changed regularly. Make sure fluid levels are OK, some used cars go right to the lot and off fluid levels are signs of improper maintenance. Proper maintenance correlates directly with engine life. Listen to the engine with the hood open, you don't want to hear any rhythmic ticking or knocking, you will however hear the mechanical flutter of the valves. No squeals should be heard either. Speaking of the engine while the car is on the lift inspect any hoses you see, if they are moist and dirty looking the car has been leaking something, be it brake power steering coolant or oil. Leaks are generally cheap fixes but seeing tons of them is a sign the car was poorly maintained. Inspect the body and underside for rust, non-painted items will rust like the brake rotors etc. This is fine as they are designed to or are eventually maintenance replaced parts, the body shell however shouldn't be rusting, if it is you're in for trouble down the line. Make sure all the electronics in the car work during your test drive, most of all be thorough. Anything you find wrong (and with used something always will be) is a point where you can talk down the price, don't worry about having looked at other cars you can still bullshit them by saying "I was looking at a fairly clean and solid civic for X but I like this car more, although I see the bushings are going, that's a pricey fix can we get that fixed at an X discount before buying?" If they won't put it on a lift open the hood or let a mechanic of your choosing inspect the car say no, these are generally crooks who want to sell you a lemon and laugh all the way to the bank. If you are looking at cars in the $15,000 range you are probably looking at fairly new CPOs, why not just buy a new compact car and ensure the maintenance is done properly from the beginning? You can get a civic in hatch non hatch coupe or sedan in the 17-23 range? The only reason I ask is you honestly don't save much and can often talk a dealership down when financing a new car to almost where a CPO car is priced, they are less likely to budge down a lot on the price of a CPO or used car, the non-CPO used car market is pay way too much for a piece of shit because cash for clunkers took a lot of good used cars out of existence, as well as parts since all those cars were all scrapped. Seriously if you buy new and stay dedicated to changing the oil ever 6K miles, tranny fluid 36k and every 18k after, coolant and brake fluid yearly, and power steering with the tranny any modern car will make 100K miles and 6 years without needing serious maintenance, AKA you will pay it off before you start replacing serious parts. Think about a 6 year loan on a new car with 5K down rather than looking at used, just some food for though, if you plan on owning the car for 10 years you'll be ahead of the pains of a used car. edit: Seriously consider new, here's an example of how fucked the used car market is: A '99 civic in my area are selling for $8000 with 80k miles, that's 20K away from cooling system rebuild, timing belt replacement, shock/strut replacement, as well as rotors and drums and most likely not maintained well. A 2010 civic sedan Certified Pre-Owned (CPO) are going for $16,000 with 15-25K miles on the clock, brand new custom ordered and delivered base-package hondas are $18,165. So let's look at our civic options: $8000 Civic: About to need roughly $3000 in maintenance in 2 years time, so it'll cost you 11-12K before you wish you bought a new car.... It's also going to eat through gas, at 100K you generally loose 3-5 MPG off the sticker and well older cars eat gas anyways. A '99 civic will be getting you 17 city and 25 highway. The v-tech has some seals that start to go in it as most variable valve systems do, the ECU adapts but the low-end torque always sucks once the v-tech looses it's youth, and that's what you use most unless you do nothing but highway miles. CPO: 16,000 for a slightly used newer vehicle, chances are you won't talk them down too far on the price since they put money into it certifying as well as most likely it being a lease someone didn't want to buy after the terms were up, they probably made 5 grand off it and want to turn a profit on finally getting rid of the thing. New: 18,000, very negotiable as you can say "Well I was looking at a new subaru that is 17,500 that I like more" and you can really haggle when buying new, plus the dealer makes more off financing a new car than anything else, they'll take a 2K loss on the car to make 5K back. You could also order the car custom built with your favorite color paint and interior etc. you can make a spreadsheet and maintain the car correctly and get 15 years 250K miles out of it easily, plus all the modern standard amenities like bluetooth aux ports built in nav heated seats and mirrors etc.
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magorkhe1
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Posted on 12-09-14 4:04
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सझामित्र: कारको कुरा गर्नु भयो एति लामो भयोकि न छेउ न पुच्छर कै भेउ पाउन सक्यौ | टास बहादुरको कुरा : "कडा परिश्रम गर्नैपर्छ । काम गर्नैपर्छ र श्रम गर्नैपर्छ, जीवन चलाउन र बिल तिर्न " तेहिकुरा हामि नेपालमा चै किन गर्न नहुने र गर्न नसकिने ? कि नेपालमा चाहि बाले र आमाले कमाइदिएकोले ( दुख देखि घुस सम्म खाएर र पाएर ) केहि गर्नै पर्दैन अनि श्रम भनेको गरिबीको चिनो हो र गरिबले मात्र गर्छ ? यस्तै सुझाब हरु पूर्व मेची देखि महाकाली सम्म फैलाउन सके सुनमा सुन्गंध ल्याउने थिएन र ? कुरा हरु यतिधेरै ( २-४ सय सुझाब ) भए कि : कुईराको काग नै बनाइदिए म / हामि जस्तालाई , नौ सिखियाले के भन्लान | तथ्यांक सास्त्री गौतम गुरुले कालोपाटीमा कोर्नुभएको हिसाब जस्तो ( एउटाले दुख दिएछ अनि २/३ स्टेप जम्प गरेर सोल्भ गरिदिदा दैनिक कक्षामा हाजिर नहुनेलाई के भयो होला ?)
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SAP Dude
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Posted on 12-09-14 4:20
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एस्तो तोरी लुरे कुरा हरु मा बचत गरेर केहि हुन्न ....केहि निश्चित उदेश्य र समय को लागि बचत गर्नु राम्रो हो जस्तो कि university पास नभए सम्म बचत गर्नु ठिक हो तर एस्तो stressful बचत गरेर सुखी life हुन्छ भन्ने चै सोराही आना गलत हो | Minimum Wage काम पछि को अर्को दुख भनेको बचत गरेर आफुलाई दोस्रो दर्जा मा पुर्याउनु हो | त्यो दोस्रो दर्जा मा पुग्ने आस मा Minimum Wage को दुख पनि बिर्सिन्छ मान्छे ले र काम मा लागि रहन्छ | तर सधै उदेश्य बिना को Minimum Wage मा बचत गरि राख्नु भनेको depression को खाल्डो मा आफुलाई सधै फसाउनु जस्तै हो | पैसा जम्मा गर्न कमाउन पर्छ साथि हो, तोरी लाउरे कुरा मा बचत गरेर दोस्रो दर्जा मा पुगीदैना |
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sajhamitra
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Posted on 12-09-14 4:43
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SAP Dude, i don't know what you are talking about dude. Above suggestions are very legit. You can't get rich just by earning a lot. Those suggestion are not stressful at all and I practice it everyday. It may not add up at the beginning but when you do the math at the end of the year, you will be saving 1000s of dollar.
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SAP Dude
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Posted on 12-09-14 4:58
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Suggestion is legit if you LOVE saving money to that level. You have to love something you are doing in order to get the satisfaction worth the hard work. Otherwise if you are just working this hard just to save it can nothing but a torture for yourself. I look to minimize my energy bills and gas consumption too but i do it less to save money and get rich and more to not wasting energy where i can. Saving $5 each on that extra electricity bill for 4 roommates is just nonsense. Cutting coupons really??? what immigrant here, especially a Nepali immigrant has time to cut coupons? would not her rather go "ghanta hanna" than cut coupons and save cents??? I am tired of seeing those Cheap Coupon cutting Nepalese...buy less and buy by your means and if you want to get rich, invest in education or business but at the same time spend your energy and time on something that is worth and not on saving few cents here and there. Here are my some tips for savings: 1. Dont buy anything you DO NOT NEED just because its on sale. 2. Don't buy, buy 1 get 1 deals unless you need both. Most likely you dont need 2 3. Dont spend too much in Booze and Ganja. 4. Dont spend too much in clothes and gadget. Dont be the first one to buy new cool stuff. 5. Always look for higher paying job at your level. Dont settle, keep on looking. 6. Quit wasting time on saving pennies here and there. 7. Dont be that Cheap B%^$tard everyone hates. 8. Live by your means and hold your head high as long as you don't look for someone else to pay for your booze, cigs, rent, lunch, gas, and utilities bills.
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divorceguy
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Posted on 12-09-14 7:19
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money is to spend not to save
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magorkhe1
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Posted on 12-09-14 7:32
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That is how your parent saved for you.
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robwin
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Posted on 12-09-14 10:51
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My motto is set aside at least six month of your salary for rainy day. Rest , enjoy life so that you wont repent for anything later down the road. You gotta be litle careful not to throw away hard earned money that doesn't return any value.
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hakim_saab
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Posted on 12-09-14 11:03
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I agree with SAP dude. Life, especially youth is too short to spend your time penny pinching here and there. You gotta live a little. Its always better to change jobs than slave away for a 3 percent raise at the end of the year. Changing jobs also adds job security because you get hired into a better paying job. I've changed 3 jobs in the last 5 years and I'll do it again if I get a better offer. I usually do all my clothes/electronics shopping during black friday and holiday season and don't worry about it the rest of the year. Don't be frivolous with your money but don't stress over a few dollars, mari lanu k cha ra.
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pirka
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Posted on 12-10-14 9:33
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@SAP dude You r right with some of your point but i will have to slightly disagree on some of your points. 1. Dnt buy anything you dnt need if its on sale. If i see a pair of jeans, shoes or coat that i really like on sale (>50%) i think i will buy it even though i dnt need it at that moment. But this doesnt mean im going on a shopping shree. This is because im just trying to avoid buy stuff when i really "need" it because at that time when i really need it i would have to pay whatever the price is. 2. Cheap coupon cutting nepalese I get coupon book from my grocery club store ($4 off detergent), macys ($10 off if i spend $25), etc I dnt think by cutting coupon (spending about half hour a month) im wasting my time. I understand this way of living is not going to make me rich but if im getting free money why not use it. I have to buy stuff regardless. Lastly, I have seen and known many white american with household income more than $100,000 and they cut coupon for their groceries and more. Cutting coupon is not being so called cheap nepalese.
So i just want to tell all the fellow nepalese that not to get discouraged by reading comments above.
Being cheap is having an iphone with no data plan. Buying a dress/suit/jacket/shoes on the day of party/event. Wearing branded cloths, buying nice car and sleeping on a used mattress.
@hakin saab
Go to the mall after christmas. Coats/jackets around end of march, etc. You will be surprised black friday is nothing. But if shopping (going to the mall) is not your thing then best of luck shopping once a year. ;)
Last edited: 10-Dec-14 09:42 AM
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GeetMaiJawaafDiu?
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Posted on 12-10-14 10:13
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Being frugal is harmless and perfectly alright. You know what is not right? Being a "free-loader". You might have some friends or acquaintances who never even bring a bottle of soda (forget wine or beer), when being invited over for momo parties or some dinners.
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SAP Dude
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Posted on 12-10-14 10:50
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I might be pre-judgmental on this but i have experienced that NOT ALL BUT MOST frugal people are also free loaders. They see frugality in heading to bathroom or making that emergency call just when its time to pay the bar tab or restaurant bill. They see frugality in picking the least expensive food in pot lucks and riding expensive foods on others They see frugality in just attending parties at others home but never inviting at their own. The bottom line is to hide away from each tab expense, tickets, charges, bills and see if someone else will pick up their tab. Its a sickness and in many cases a frugal gas station owner or a 100K salary earner is not ashamed or guilty of making $6 per hour gas station worker pay their bills.
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hakim_saab
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Posted on 12-10-14 10:53
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I certainly do believe that people here, especially Nepali women have way too many clothes. I dont think I need two closets worth of wardrobe. Its better to work out and look good in Walmart clothes than to have pot belly and wear branded clothes from Banana republic. My nth tip, don't buy too many items of clothing.
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magorkhe1
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Posted on 12-10-14 11:40
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सोम चडक्यका नीति पनि सम्झनुस : ऋइणम कृत्वा घ्रितम पिवेत यावत जीबेत शुक्हम जीबेत भस्मी भुतस्य पुनरा गतोम | आफुले कमाएकोमा आनन्द लिऊ सकिन्छ ऋण गरेर भए पनि घिउ ( आनन्द लिउ ) पिउ.
Last edited: 10-Dec-14 01:32 PM
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GeetMaiJawaafDiu?
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Posted on 12-10-14 12:02
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@SAP Dude, you certainly don't seem to trust my simple grasp of the difference between "frugal" Vs "cheap" (or "freeloader")
AGAIN, being frugal is not same as "being cheap" or "being a freeloader".
Personally, I see myself as a frugal person. At times, I do indulge for the heck of it. In fact, my conscience tells me to be generous with my time and my greens toward people who have been kind to me in the past.
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sojoketo
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Posted on 12-10-14 12:23
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सोजो केटो ले झैँ हरेक हफ्ता ग्रोसेरी जादा $२ को पोवेरबलल को सट्टा $१ को मेगा मिल्लिओन किन्ने तेसले पनि $१ बचाउन सकिन्छ हरेक वीकेंद स्ट्रिप club जादा २ lap डान्स को सट्टा क्बल १ लप डान्स गराउने. तेस्ले पनि $२० बचाउन सकिन्छ. सोजो केटो ले झैँ हरेक वीकेंद कैसिनो जादा पोकर को साटो ब्लैक जैक खेल्ने तेस्ले पनि थुप्रै $ बचाउन सकिन्छ
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