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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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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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porsche2014
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Posted on 12-10-14 12:29
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"आफू सकेसम्म स्वस्थ रहने, स्वस्थ का लागि हरदम प्रयास गर्ने । जसबाट डाक्टरकहाँ धाउने, औषधी किन्ने आदि खर्चबाट बच्न सकिनेछ ।"
* हेल्थ क्लबको सदस्यता नलिने?
Last edited: 10-Dec-14 12:34 PM
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SAP Dude
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Posted on 12-10-14 12:37
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Geet...that is why i said NOT ALL BUT MOST You are an exception then !!
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GeetMaiJawaafDiu?
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Posted on 12-10-14 1:02
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SAP Dude,
You know what the tragedy is here? You still have not been successful in distinguishing between "Frugal" and "Cheap". What a waste!
I give up now.
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SAP Dude
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Posted on 12-10-14 1:09
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Geet...what are you hanging on to for giving up?
All i have said is that in most cases Frugality leads to Cheapness. If you are just frugal and not cheap you are an exception. I know they have two different meaning.
Staying frugal and not fall into the trap of Cheapness is a hard work on itself. Its a slippery slope but there are few who can handle the slippery slope just fine without sliding down.
Last edited: 10-Dec-14 01:31 PM
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sajhamitra
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Posted on 12-10-14 1:39
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SAP Dude, yes I have seen few nepalese who hesitate to spend money on almost everything. Being frugal doesn't makes your cheap. I think everyone needs to be frugal to some extend. I save few dollars in gas, grocery, online shopping etc but I also spend 1000s of dollar for vacation trips. I never forget to tip in restaurant less than 18% and give donation every year. But while giving donations I always make sure that it's tax deductible. If you try to see the bigger picture being frugal is actually teaching you how to manage money. While saying that I also agreed that I have seen few of nepalese friends who are super cheap. They invite people but they always want them to bring their own food and called it as "potluck". They don't go to friend's kid birthday party just because they don't have kid and they know they will not get any birthday gift. Moreover, I have seen some people who are cheaper than cheap. They criticize the food they eat in the party. I rarely see these kind of behaviours among US nepalese but these pathetic behaviour are so common in Nepal. I think you all are getting what I am trying to say i.e "जम्मा दुइ टुक्रा मासु?" . Sorry I can't stand people who criticize foods. In the opposite, americans here appreciate you so much when you invite them in a party and they appreciate the food too. They love free foods and party even if they are earning million dollar a year. I am not trying to compare nepalese vs American but I am trying to highlight some of the culture behaviours among us.
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magorkhe1
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Posted on 12-10-14 1:44
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Here are five key differences between cheap and frugal. 1. Cheap and frugal people both love to save money, but frugal people will not do so at the expense of others. 2. Frugality is about assessing the bigger picture and having the patience to cash in on the simple savings strategies. 3. Cheapness uses price as a bottom line; frugality uses value as a bottom line. 4. Cheap people are driven by saving money regardless of the cost; frugal people are driven by maximizing total value, including the value of their time. 5. Being cheap is about spending less; being frugal is about prioritizing your spending so that you can have more of the things you really care about.
Some more.
Everybody knows a cheap person, and probably hates them. But I think we often mislabel frugal people cheap. These are just my opinions, but here’s what I think differentiates the two: Cheap people care about the cost of something. Frugal people care about the value of something. Cheap people try to get the lowest price on everything. Frugal people try to get the lowest price on most things, but spend a lot on items they really care about. Cheap people are inconsiderate. For example, when getting a meal with other people, if their food costs $7.95, they’ll put in $8.00, knowing very well that tax and tip mean it’s closer to $11. Frugal people won’t order a Coke if they’re on a budget, so that when the bill comes, they don’t look cheap. Yes, being cheap and/or frugal can be a cultural quality. I won’t spend much more time on this one, but it is an important topic in personal finance. Cheap people keep a running tally with their friends, family, and co-workers. Some frugal people do this, too, but certainly not all. Because of the fear of even one person suggesting they spent too much on something, cheap people are not always honest about what they spent on something. Neither are frugal people. Cheap people are unreasonable and cannot understand why they can’t get something for free. Sometimes this is an act, but sometimes it’s not. Frugal people will try as hard as cheap people to get a deal, but they understand that it’s a dance and, in the end, they don’t intrinsically deservea special deal. Cheap people’s cheapness affects those around them. Frugal people’s frugality affects themselves. Both cheap and frugal people will be more assertive than most people when trying to get a deal. Over the long term, they’ll both save more money. But one has a cost, while the other pays dividends. Cheap people think short term. Frugal people think long term. Last edited: 10-Dec-14 01:50 PM
Last edited: 10-Dec-14 01:55 PM
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pirka
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Posted on 12-10-14 1:56
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@sajhamitra hami gorkhali lai appetizer vanera ek jana lai rakheko 2 wota chillo ek maina purano teel ma tareko pakauda, tara plate ma halda 10 wota, eta uta arka ko plate bata khada peet ma jane 20 wota pakauda, Tes pachi dinner ma 5 gilas coke ra ghue haleko pulau lai sagarmatha banara khaye pachi ta pachauna ko lagi ki ta hajmola ko baywosta huna paryo, natra masta criticize garincha hai khana lai!
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SAP Dude
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Posted on 12-10-14 2:18
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prika...did not get everything you posted but i think its funny as hell for what i understood. LOL
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