SUM TOH KISAI - MI TANGPI THEIHTUAK

By CT. Lian

Tulai khovel ah illiterate mi ading in nek leh tak zon a haksat bangbang in kuahiam financial illiterate mi ading in chuh leitung ah khosakna haksa in buai teitei hi.

Laithei literate i chihte laisim thei, laigelh theite ahihbang in, financial literate i chih chiang in sum leh pai zekdan theite chihna suak hi. Financial literate ten sum muh didan, zatdidan, kep didan leh khol didan ana thei deuh tangpi uhi.

Huaiziak in tulai khovel a sum lam toh kisai theihsiamna michih in i neih chiat uh poimoh petmah a huaiziakin sum toh kisai tamlou i gen zek ding.

SUM ZON DING DAN ZIL DING AHI
A masapen in kuaman SUM hoihtak a pei pung didan/kichuptak a zek didan amah a sum aloh khiakma in a theikei hi.

Sum kichi pen mihing khat in leitung a i hinna ding in zon ngai a, sum zonna hoihpen mahni lunglutna lam sep a sum zon a lohkhiak chuh thilhoih pen ahi. Ahi a miteng in i tuina lam kia ah sepna ding kimu deklou in i ut louhlam pente ah mi a tamzaw thamtham ten private hiam government hiam koi lamlam hiam ah sum lohna ding a nasem in kizong chiat a, sum ziak in kikhosa chiat hi.
Hichi bang lak ah na Sum lohkhiak pen kidaih zoulou nasak leh, nang mah in koi ah bang chileng sum ka mutam thei dia, tua ka lohna mun mah ah hun tamzaw pia in pang leng ka mu tam zaw diam? hun awl ka neihte ah na tuam sem leng sum tamzaw ka mu diam? ahihkeh mahni a sum dawnna ding bawlkhia mai leng tua sang in sum ka mu tamzaw diam chihte nang mahmah in na lungsim a tupna tak toh sum na zon chiang in na sum muh hong kibehlap pan ding, mawlchik in genle na sum deihna a letzoh phot leh na lohchinna ding nai chih thei in, tup kichian nei in lungkia lou in chihtakna toh kukal tak a sem in ginom tak in pang lechin na tup zah sang ale tam zaw sum in hon zui mai ding dan nana hihi.

Banah sum zon kichi pen zil ding ahi- sum zon kizilna ding school omkei mah leh zil theih ahi, zil chia mi hihdan mit kia amuh, athu kia hilou a, i society sung a mi sum hau mi 2/3 kitheihpih masa ding in amau apat amau mi hinzia, amau thil hihdan, amau pau dan, amau kiveidan te uh hoihtak a etton a i pai chiang in sum kimuthei pan ding hi.

SUM MUHNA LEH ZAT DIDAN GELKHOLHNA (BUDGET) ZIL DING AHI

Sum pen i hinna dia zat angaih ziakin a i muhna ding leng gelkholh angai hi.

Mihing in gimtak a sum i lohsuahte a phatuam theipen dia i zatkhiak theihna ding in gelkholhna (budget) a gelhthoh a i bawl masak ngai a, hiai bawl ding chiang in thil 2 lungsim ah koih masak ngai om hi.

1. Niteng a sum zatna:
Niteng a innluah man dia hisap bangzah,
Niteng a paisuk paitouh man bahara/petrol man bangzah,
Niteng a nek leh tak leina a bei bangzah,
Niteng meivak man leh tui man a bei bangzah chihte banah,

2. A lom deuh a sum zatna:
Khateng a skul/college fee bangzah,
Khateng a silh le ten leina a bei ding bangzah,
Khateng a na deih khat leina dia na khol ding bangzah,
Khateng a natek/upat chia dia na invest bang zah,

Hiai atung a thulu tangpi teng ei sum muhna dan omsa toh kituak, ut leh muhna sang a 10℅ sang a tamzaw lou in kichup tak a budget bawlkhiak masak a huai zui in niteng khateng in i sum zang leng i sum zatdan uh hong kichup theipan ding a mihingten khan lam hon kimanoh thei panta ding hi.

Banah i sum lohkhiakte uh a manpha theipen a i zat theihna ding in niteng a i summuhna leh zatna teltak gelhna laibu i neih uh ngai nawn ding hi.

Lehkhabu khat i lei ding a apek langkhat a tuni a sum muhna teng teltak a gelh lut ding,
apek langkhat ah niteng a sum zat khiaknate teltak mah a akim sipsip a gelhlut nawn ding.. eg talab -10, kuva-40, laizial-50 , maiteh- 20 alu- 30 etc etc ahoih toh hoihlou toh gelhlut vek phot ding.

Hiai record pen kalkhat in a totalte enkhia gige leng sum bangzah kimu a, bangzah kizang khia a bangbang a kizang chih i hon thei theita dia huchi in i muhna lam sang a i zatna lam a hong tam zawk leh i lungsim a nuam kei dia ahihziakin i muhna lam sang a i zatna lam atawm zoh phot le i lungsim hong kipak ding hi. Hiai figure nih MUHNA leh ZATNA i lungsim in tehkak hong ut ding a i hon tehkak chiang in kuva hiai zahzah man va hai tel ichi diam, ahihkei leh sa man a hiai zahzah va gaih tel chih i hon muh chiang in sum zek i hon sawm theita dia i kisum theih aom leh i kisum zahzah i sum hong suak mai ding hi - sapten A PENNY SAVE IS A PENNY EARN ana chi uhi. Huchi a azatna lam a kisum ding i muh kei lebel mihing lungtang in kidaihlou kahih chiang in chi in amuh tamna ding hon ngaihtuah mai ding hi. Tua i muhna lah gelhlou, i zatna lah i gelh tuan louh chiang in abik in Lamka ten i sum lohkhiak sang un i zat khiakna uh 20℅ vel in tam zaw gige a hiai i sum zat siamlouh un i mimal hon subuai a, mimal i buai chiang in innsung hon subuai khanawn a innsung hong buai chiang in khotang hon sukha nawn a khosung hon sukkhak chiang in gamsung hon subuai nana hi lel hi.

Huaiziak in mihing khat in budget nei a, family khat in budget nei a i sum neihte uh i zeek chiat uh poimoh lua hi.
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SUM KHOLDAN KIZIL DING AHI

Sum i chih pen mihing a dia i poimoh chiteng a zat ahi chih i thei ua, mihing a ding in sum neih poimoh lua hi.
Sapten WE CANT AVOID ACCIDENT BUT WE CAN REDUCE ACCIDENT achih bang deuh un mihing in tuahsia, i gin louhpi a thil tuah chih om thei ahi, budget bawl in gel tawk lengle Pathian thilseh i gintak louh lamtak a tuah thei ahihna ah hichi bang hun a panpihtu ding hiai hun a zat ding sum khol sa chiklai peuh a zat theih ding i neih ngai ahi.

I gensa mah bang in mihing a ding in sum pen leitung a vanzat lianpen suak ahihman in beidot chihmoh hun a zat ding sum neih a ngai hi. Sum pen i neih theihna ding in khol a ngai, sum kichi tampipi a kholkhol ding na sawm leh tampi a khol di a om ngeikei dia, sum kichi tamlou chikchik a i khol leh sum kikhol theipan ahi.
Sum khol ding dan tamlou i gen ding uh
1. Na thil deih/ tup leina ding a sum na khol nop leh bank account tuam hong inlan huai ah sum khol in,
2.Na beidot hun, taksap hun a zat ding sum na kholh nop leh bawm/box a kihong theilou ding bawl inla huai a niteng hia kal teng hiam khateng hiam a na neih dan khia in sum kholkhol lechin sum na khol thei ding hi.
3. Mihing khat in i hatlai, sum i muh theihlai in i hat nawnlouh chia zat ding sum invest na innmun lei hia, bank a fixed deposit hia, life insurance policy hia, pension scheme a tel hia hichi bang a sum a khonung a apun zawk theina di munte ah sum i invest leng i neih ngeingei ding ahi.

# SUM TAM NA NEIH ZIAK A KIDAIH DING HILOU IN , SUM PEN I ZAT SIAM LEH KIDAIH DING HIZAW HI.

# SUM I MUH PEN AVEK A ZAT GAIH LOUH TEITEI DING AHI
SUM MUH DING KIN DI, SUM ZAT DING KINLOUH DING.

KUAHIAM MI LOHCHING KHAT SUM DAWN DAN, SUM ZATDAN, SUM INVEST DAN SIN GIGE DING AHI.

SUM MUH DIDAN, SUM ZAT DIDAN, SUM HIH PUNGSAK DING DAN I DAMSUNG A ZIL TOUH PEIH GIGE DING AHI.

# SUM TOH KISAI A THILHIH DING IN THAKHAT A HIH PHUT LOUH DING, NGAIHTUAH DETDET MASA A THIL HIH DING.

# SUM I MUH DANDAN ZANG A KHOSAK DING HILOU IN SUM I MUH ZAH TOH KITUAK A I KHOSAK DING AHI.

SUM ZATDAN I SIAM LEH LEITUNG A I HINKHUA NUAM DING NANA HILEL DAN HI- HUAIZIAK IN MI KUAPEUH IN SUM ZAT DING DAN I KIZIL UA SUM ZAT I SIAM CHIAT UH POIMOH NANA HIHI.

Kipak e!