Isn't it truly been always and always said" people come in your life to either be with you forever or teach you a lesson"
So... the story began last year October, when I had a change of my job. As we all know a job that is career oriented always has a low pay in the beginning, as what matters is your growth in the field. I worked a couple of months on a very very low pay. Thinking that I could conquer this career path of mine by a mere 2 to 3 months of experience. I gave N number of interviews looking for a suitable post. But I lacked in experience.
Lesson No 1 Learnt: No matter how much you have studied , the real world is completely different to the text books
Yes, I lacked the experience also During this course of time I concentrated/concentrating on getting my basics straight because no matter how high the degree shines, you should always know why the a= l +c. and all the beating around the bush that goes on around that equation. It can get quite stingy at times too.
then ..I never ever saved money in my life. Living paycheck to paycheck because I hadn't got out of the shell of my parents paying the fees and monthly pocket/ purse money. So I had nothing to worry about. I kept spending. I seen a few close friends of mine who were the sole earners to their families.I seen friends bargaining even at a grocery store which has MRP on a pack of biscuits or girls screaming and making friends with the shop keeper just because he/she can give you some more discount on the clothes you buy. It didn't bother me.Like seriously . I spend money on friends , helping them at their month end time. I never bargained at the grocery store or the local stores for even a penny, I felt sympathy as what harm would it do to me to give them 10 Bucks extra.
I never actually bothered until the time when I seen a very close person of mine very wisely gifted told me about savings. Umm..yeh savings.Not earning much but saving. Yes, this is the person who came into my life and taught me the meaning of being independent and of course handling money. Did I mention I am a finance major post graduate?eerr yikes I know.
Lesson No 2Learnt : A Frugal in need is no Frugal indeed :D
now I started to save past few Months trying my best, It hasn't been satisfactory but I do end up having some cash carried forward to the next month. I liked to read it on my bank statement for the first time. I have started to invest in things I really really need. Not my wants. When I let go off the branded labels of my wardrobe, I have started to find clothes in the mall really silly. All though the bargain shops have limited size of clothes I have decided to put shopping aside for a few days. I loved eating alone and with friends treating them all the time.
Well, with being frugal Things have become a bit disciplined in life. I have started to work on my weight and also doing good at it. It is a continuous struggle, and a difficult things. But weight issues, I'd better write about it when I achieve my goal weight by this year end. So, back to begin frugal , I love to read a lot. Anything that I get in my hand, I just love to see it and consume it all. Sometimes eating and reading seem the same darn thing to me :P
I decided that I had to save. I stopped helping people. I stopped giving unnecessary gifts and surprises to people. I realized I was the only one playing the part in that relationship. I waited for gifts and surprises. But nothing came my way. I started to feel this world is not what it exactly looked like. Everyone does thing to you according to their wish. It was high time I got my wishes to make others happy under control. People can bare you fat but not bare you if you don't spend.I decided lets put it to test. I asked my near and dear ones to fulfill my wishes. because at one point of time I was showering them with gifts and surprises. Not to see that how much can one do for me but just that can anyone make me feel special? so frugal in need is no frugal indeed. I didn't find anyone by my side. Nothing came my way. something like "howri"( a Hindi word) was said to me. I was way to shocked. I had never asked anything from anyone. I was a good girl until then but then you just take a pause and reverse things. You get things straight.
Lesson No 3 Learnt: Tol Mol ke Jeena
Living life with measures. Keeping silent listening. I never was a show off nor did I want to tell people around me how much I did for them and put them down. But it was just a reality check. In which all failed. yes, ALL.
I feel very grateful to God that He has given me this strength to over come this Truth a bitter one of course about life. Through this journey I started to read a book( e-book I downloaded for free) "Millionaire next door" by someone I don't remember now. But this book is pretty old, this is how I got it downloaded as the copyrights expired. All they focused on is "you being you favorite charity.", "Save by paying yourself first", beautiful book written long time ago.(Author is Thomas J Stanley just recalled), it is very elaborate on how to save and be frugal in life. Not a MISER but Frugal.
I'm learning to save from the very bits that I earn. I spend only on what is required and save. Greater the number on the bank statement greater is the happiness. N no of course I don't treat my self any more at Dukin Doughnuts and KFC for saving. Things have changed a lot for me and soon will change for everyone around me.I'm yet to complete the book few more pages left. Because the excitement of having free books online made me download soo many. I'm working on limiting needs. well , thats a work in progress I must say.
Stay healthy and Stay Frugal \\m//
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