A little over a year it
has been I spent some time on this blog. Not that I was exhausted with thoughts
and ideas to share, but honestly, couldn’t come across anything that is
brilliant to share, at least that could meet my satisfaction scores.
Of late, I discovered some
interesting point about paying my EMIs. So many times I thought
for more how many years I would be paying for someone whom I do not at all. But
over the years, I think discovered a new dimension to it.
The process of working, earning and saving a bit for spending on
holidays or something else reminds me of a card game, where the pack of cards
changes its sequence after each round of game. Finally, how you plan and
visualize the game differs completely from the way it ends.
In the same way, the
priorities have changed its sequence each time making me realize of something
else that becomes more important at that point of time. Many times I deferred
buying something for myself or spend an evening in the club or at gaming like
most of my friends. Even when people asked me join them I had to politely turn
it down foreseeing the expenses, which I felt could be spent on something
purposeful. All these disappointed a bit.
The dates in the calendar
were sandwiched between office-home-paediatric consultations. At one point of
time, I actually felt I was merely an ATM and all my money is being pulled by
people around me. Dad, how did you handle these? Parents are amazing people
man!
Now when I think about this gap between such desires and realty, I
feel fortunate to have experienced compromises at every stage. Let me explain
you why! The recent drug bust case in Hyderabad has made me understand things
from a different perspective. Most of the peddlers, consumers and people
involved in the supply chain are in the age range of 22 – 34 years.
This is the real prime
time to experience the happiness in the career progress and any unacceptable
involvements may strain their professional career, identities in the society
and not to forget, the family relations too.
When the channels started airing news on this menace, I realized
that being a middle class boy was definitely one of the reasons for not even
thinking on these. More importantly, during my growing up years, we were not
even aware of these things. Thanks to my conservative living methods and
upbringing.
Not that I am vulnerable,
but then, the priorities I had in my life have never allowed me to indulge in
anything that was not needed. I clearly remember my dad articulating all the
expenses that we had for the month, the monetary sources and prioritizing
expenses accordingly. Again, it wasn’t a financially troublesome life I led,
but was told only as a measure for saving the pennies for a rainy day.
Honestly, I never liked my
dad telling me the expenditure list to me, yet, he never refrained from doing
it because he was clear that we kids should how much was needed for the
house to run. A typical middle class family, we are!
Many times, my demands for
a DVD Player or iPods were easily rejected on the “Need, Want and Desire”
scale. While, it was painful to receive his pronouncement, now I feel it is all
the worth (Will let you know why) to be rejected.
I do not know whether my
dad would’ve bought one for me if I pressurized him, but surely, I wouldn’t
have learned the value of adhering to the elders’ thoughts and opinions and
value of money. Not just this, fulfilling all my interests may conclude that
Dad is easy in giving money for everything. Interestingly, eight out of ten
things I asked were not accepted and now if I track back all those were
actually worthless, hopeless and senseless.
I believe saying NO to what kids ask, talking to them about the
family priorities and financials will definitely help the children to realize
where they are heading to. This further helps them in identifying right set of
people as their friends. Simply, birds of same feathers flock together. Right!
Therefore, indulging in
manageable level EMIs is always the best method
for us to stay away from all possible habits that the world
does not appreciate. EMIs
are not just to pay off your debts easily in small amounts, but also to keep
you grounded, focussed and planned.
Lastly, love your EMIs it loves you back with
responsibilities and commitments J
God bless the planet!
(Image Courtesy: Google Images)
Ok... I totally agree with you brother. Let's try to break the life of EMIs looping around us... In the meanwhile, have a happy EMIs time... :)
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