Bachat ki aadet.......

[u_r]

Aslam O Alaikum all...............

aik new article ke mutabiq Pakistani bachat saving) kerne ke aadhi nhi hein aur emergency ki soorat mein qarz lete heihn..yuhn woh apni mustaqbil ki aamdni ko( jisse unhein ahhm kaamuhn mein harch krna hota he) qarz lotane per kharch ker dete hein!

-aap is se itafaaq kerte hein?
-Pakistani apni intah iqaleel amdni mein se bhi savings ker skte hein?agger ker skte hein, to unhein kese qail kiya jaye ya encourage kiya jaye?
-aap bazaate khud(ya family ) kese bachat kerte he shoppinh habits, eating habits, lifestyle etc?aap saving ko kitna important smjhte hein

shukriya

NOTE: yhaan un savings ko nhi discuss krna jho 10, 12 saal ke liye bank mein rqm rakhi jaati he:think:

[La'hasil]

Re: Bachat ki aadet.......

hmm Baat sahi hai Pakistan main Qarz lenay ki bhi khassi waba hai

Pata nahin main Fazool Kharch tu INteha ki hoon lekiin Qarz lena meri Maut hai ,Sakh't Napassandeeda Main kehti hoon Ap bhookey mar jao Lekin Qarz nahin lo
Aur Waise bhi Mohabbat Udhaar ki Qainchi hai :d tu Na hi liya jay tu behtar hai :P

[u_r]

Re: Bachat ki aadet.......

mein bhi yhi smjhti huhn ke generally jho Pakistani kerne ki postion mein hein(financially) woh bhi nhi kerte.............

lekin bachet hi ki aik qism Pakistan mein kaafi dekhi jaaati he...committe daalna...mere khyaal mein yeh kaafi acha treeqa he(agger trusted bndhe huhn to) un loguhn k liye jin ke pass paisa ho to bass pehli fursat mein hi kharch kerna he...jabh lump sum milta he to koi barra kaam nmta lete hein jese shadi, house repair etc etc

[ummid]

Re: Bachat ki aadet.......

@ topic

I wonder...!!

[Mr. Sialkoty]

Re: Bachat ki aadet.......

Bachat nahi hoti agar ho b to kuch na kuch khareed leta hon. fazool kharch nahi b hon aur bohat ziada fazol kharch b hon. Puranay waqton main behad majbori pr kabi krz le b leta tha pr time pe wapis krta tha. ub loog karz le jatay hein kabi na wapis krne k liye. main bachat k nazriye se nai chalta. jo hath main hota he kharch kerta hon yeh soch k kay Allah aur de ga aur mil b jata he

[u_r]

Re: Bachat ki aadet.......

@ topic

I wonder...!!

YOu can share your own saving habits??how well as a family are you able to do it?

Bachat nahi hoti agar ho b to kuch na kuch khareed leta hon. fazool kharch nahi b hon aur bohat ziada fazol kharch b hon. Puranay waqton main behad majbori pr kabi krz le b leta tha pr time pe wapis krta tha. ub loog karz le jatay hein kabi na wapis krne k liye. main bachat k nazriye se nai chalta. jo hath main hota he kharch kerta hon yeh soch k kay Allah aur de ga aur mil b jata he

Allah tala aap ko aur ataa karein...Ameen

lkein fir bhi aap ko bachat ki koi na koi habit bnaani chahye...yes at the moment, aap ko mil he jaata he lekin ho sakta he ke kisi din aisa na ho ...so you should save for a rainy day!!!!!!!!!!

yeh to thee aap ki zaatee habit.......................generally kiya zyada tar pakistani aisa kerte hein aap k experince mein???

[saraah]

Re: Bachat ki aadet.......

واعلیکم السلام
میرا نہیں خیال پاکستانی بچت نہیں کرتے ،ہاں البتہ میں نہیں کر پاتی فرینکلی اسپیکنگ مجھے بچت کرنا نہیں آتی کوئی ٹپ ہو تو بتاو

[thefire1]

Re: Bachat ki aadet.......

Walaikum Assalaam u_r

I would like you to share the article link or at-least share with us the source where you have read this. As far as I know and as much as I read, Pakistani and Indians are considered to be the best in terms of managing their finance and do not often take loans from the bank or from any other source until its extremely difficult time.

Hum nay bachpan say bachat karna seekha hay, aur yeh taleem humain humarai Walida Mohtarma (ALLAH SWT unhain Jannat main aala muqaam ata karay AMEEN) say mili, unhoon nay kam say kam kharchay main gharayloo akhraajaat sanbhaalay aur jitnay abbu nay ghar kay kharchay kay liye diye uss main say bhi saving (jiss ka mera waalid ko bhi ilm nahin hota tha) kartii thii aur zaroorat paRhnay per ussay kaam main laati thiiin.

Yehi aadat hum main aayi aur kam umri say hi main apni eidi kay paisoon main say aur even rozaana ki kharchi main say paisay bacha kar rakhta tha jo main aksar apnay liye kharch karta tha, you will surprised to know kay main nay apnay pooray paRhayee main kabhi bhi waldain ko kitaaboon ka kharcha nahin karnay diya, apnay say senior class kay student say dosti rakhta tha aur phir apni savings say uss say second hand kitaabain sastay price main lay laita tha...!!!

Amdani chahay jitni hi qaleel hoo, insaan srif apni zaroorat ki zindagi ki cheezon per dehaan day aur ussay poora karay, aagay aur iss kay ilaawa MOUHTAAJ aur MISKEEN bandoo kay bhi BAYLOUS madad karta rahay, ALLAH SWT aap kay rizq main barkat ata farma day ga, bas apni niyaat saaf rakhay aur rizq-e-halaal ko apna faraza-e-zindagi bana lay!

May ALLAH SWT light and guide our ways AMEEN

FI amaan ALLAH

Aslam O Alaikum all...............

aik new article ke mutabiq Pakistani bachat saving) kerne ke aadhi nhi hein aur emergency ki soorat mein qarz lete heihn..yuhn woh apni mustaqbil ki aamdni ko( jisse unhein ahhm kaamuhn mein harch krna hota he) qarz lotane per kharch ker dete hein!

-aap is se itafaaq kerte hein?
-Pakistani apni intah iqaleel amdni mein se bhi savings ker skte hein?agger ker skte hein, to unhein kese qail kiya jaye ya encourage kiya jaye?
-aap bazaate khud(ya family ) kese bachat kerte he shoppinh habits, eating habits, lifestyle etc?aap saving ko kitna important smjhte hein

shukriya

NOTE: yhaan un savings ko nhi discuss krna jho 10, 12 saal ke liye bank mein rqm rakhi jaati he:think:

[thefire1]

Re: Bachat ki aadet.......

Maazrat kay saath, mujhat tou andaaza hi nahin hua kay main nay itni lambi taqreer kardi, SORRY in advance :)

[Mr. Sialkoty]

Re: Bachat ki aadet.......

Walaikum Assalaam u_r

I would like you to share the article link or at-least share with us the source where you have read this. As far as I know and as much as I read, Pakistani and Indians are considered to be the best in terms of managing their finance and do not often take loans from the bank or from any other source until its extremely difficult time.

Hum nay bachpan say bachat karna seekha hay, aur yeh taleem humain humarai Walida Mohtarma (ALLAH SWT unhain Jannat main aala muqaam ata karay AMEEN) say mili, unhoon nay kam say kam kharchay main gharayloo akhraajaat sanbhaalay aur jitnay abbu nay ghar kay kharchay kay liye diye uss main say bhi saving (jiss ka mera waalid ko bhi ilm nahin hota tha) kartii thii aur zaroorat paRhnay per ussay kaam main laati thiiin.

Yehi aadat hum main aayi aur kam umri say hi main apni eidi kay paisoon main say aur even rozaana ki kharchi main say paisay bacha kar rakhta tha jo main aksar apnay liye kharch karta tha, you will surprised to know kay main nay apnay pooray paRhayee main kabhi bhi waldain ko kitaaboon ka kharcha nahin karnay diya, apnay say senior class kay student say dosti rakhta tha aur phir apni savings say uss say second hand kitaabain sastay price main lay laita tha...!!!

Amdani chahay jitni hi qaleel hoo, insaan srif apni zaroorat ki zindagi ki cheezon per dehaan day aur ussay poora karay, aagay aur iss kay ilaawa MOUHTAAJ aur MISKEEN bandoo kay bhi BAYLOUS madad karta rahay, ALLAH SWT aap kay rizq main barkat ata farma day ga, bas apni niyaat saaf rakhay aur rizq-e-halaal ko apna faraza-e-zindagi bana lay!

May ALLAH SWT light and guide our ways AMEEN

FI amaan ALLAH

Amooman hota yeh hay ke kisi point pe mujay break lag jati he lekin is baar mein break lagne ke baad aur kuch kahay bagair aagay berh gaya. I second your voice ke Pakistani koom he bachat kerna janti he, deegar dunia mein esp Europe mein 5 din kamaya 2 din uraaya wala concept he. Aur doosra nukta bhi bohat aala raise kia ke Pakistani loogon ka tanasub bohat kum he jo Bank se kerza lete hein. Haan aik cheez ki kami zaroor he Pakistaniyon mein wo yeh hay ke chader dekh ke paoon na pheelana. Amooman shadi beyaah ke chakron mein loogon ko kerz lena perta he aur phir akhrajaat itne ker dete hein ke kerz ki adaigi un ke liye mushkil ho jati he.

Aap ke bachat ke concept se mein heeran hoon. Aik jagah aap ne kahin likha tha ke aap bachat ker ke ub dunia goomtay hein. Mere liye yeh bhi kafi surprising tha. How can you manage such things

[Mr. Sialkoty]

Re: Bachat ki aadet.......

Allah tala aap ko aur ataa karein...Ameen

lkein fir bhi aap ko bachat ki koi na koi habit bnaani chahye...yes at the moment, aap ko mil he jaata he lekin ho sakta he ke kisi din aisa na ho ...so you should save for a rainy day!!!!!!!!!!

yeh to thee aap ki zaatee habit.......................generally kiya zyada tar pakistani aisa kerte hein aap k experince mein???

Mere khyaal mein Pakistani apne paisa acha sambhal ke rakhtay hein aur aam halaat mein kisi aur per kharch nahi kerte. Ziada tar loogon ke nazdeek apne pe paisa kharch kerna fazool kharchi nahi aur doosron per paisa kharch kerna fazool kharchi hota he. Loogon ke nazdeek fazool kharchi ka concept jo bhi ho. Mujay itna pata he ke, moamla koi bhi kyoon na ho, koi function, get together, relatives, friends, eating out, travel jo bhi ho, it is a must ke paisay meri jaib se he niklein ge. At times mein paisay ki care nahi kerta. Even bhaiyon mein bhi ager mein apne bhai ki ghari use karon to usay tank full don ga, jub ke meri ghari koi bhi use karay ga to kia majaal he ke petrol ki boond bhi dalwa de. Muj se koi bhi kerz le ga to wapsi ki baat nahi karay ga usay pata he ke mein wapis nahi mangta. meri kamai ki kafi percentage apne se related loogon mein chali jati he. Meri income achi khasi he, lekin mein apni aadaton se majboor insaan hoon, kuch nahi bacha pata :)

[Mr. Sialkoty]

Re: Bachat ki aadet.......

واعلیکم السلام
میرا نہیں خیال پاکستانی بچت نہیں کرتے ،ہاں البتہ میں نہیں کر پاتی فرینکلی اسپیکنگ مجھے بچت کرنا نہیں آتی کوئی ٹپ ہو تو بتاو

Un married larkiyaan jo ke job bhi na kerti hoon un se yeh question he fazool he ke aap bachat ker pati hein ke nahi.

Asal mein tum fazool kharch ho ya bachat kerne wali ho is ka pata tub chalay ga jub shohar ki kamai tumharay haath aaye gi. Phir ager tumhein laga ke tum fazool kharch ho to tumhein "thefire" achi tip de ga, aur ager laga ke tum bohat bachat kerti ho tub mein tumhein kuch zaroor samjaon ga :lol

[ummid]

Re: Bachat ki aadet.......

YOu can share your own saving habits??how well as a family are you able to do it?

am not "bachat person" - me tu hisaab bhi nahi rakhti paiso ka keh kitna kharcha howa or kya howa.... Mr. Sialkoty ka thread dekha tha "mehngai" wala.. us se ek baat yaad aa gai ke me ko do hafte pehle while coming from somewhere hum dosto ke saath ek jagah ruk gaye - "wada pav" khaane (wada pav - yahan ki specialty hai - or when I was in school me canteen se 2 rups ka le ker khaati thi) and than I came to know on that day its now 12 rups - and i was amazed ke ager mehngai badh gai hai tu kabhi me ko pata kyun nahi chala :$.... bachat tub ho jub mehngai ka ehsaas ho : )

yeah, am blessed... lakeen bachat kar nahi paati ho... hoti hi nahi... khaane peene or ghoomne phirne ki shoqeen ho so zyadah paise wahein kharcha hote hain...!! mobile ke bills, dresses, travel and all ka kharcha parents or bhai uthaate hain... so me bus kharch karti rehti ho... No savings : ) -

[Mr. Sialkoty]

Re: Bachat ki aadet.......

Wadda pav" hota kia he?

[ummid]

Re: Bachat ki aadet.......

Mr. Sialkoty: yeh Bombay ki specialty hai... cheapest meal I guess : )