Click here
for full transcripts of the speech.
EP-74 – நிம்மதி உங்கள் சாய்ஸ்
– Minimalism - Greatness Series
- Zero to Hero 100 days Personal Transformation Journey
We are in
Episode 74.
இந்த YouTube channel லை வாழ வைக்கும் தெய்வங்களாகிய எல்லா
ஹீரோயின்களுக்கும், ஹீரோக்களுக்கும்
வணக்கம்.
As we have
completed all the 7 Habits of Stephen Covey, I want take up “Greatness Series” to
address other best behaviours, habits, simplifying tools, good books, Videos,
TED Talks and resources.
This week, we have
been focussing on Personal Finance. We did deep drive on Hierarchy of Needs, Needs
and Wants (அலசி ஆராய்த்தோம்). Today I want to take about Property Investment
Trap.
Little disclaimer
here: I am not an expert in Personal Finance. I am sharing my thoughts and
opinions based on my experiences.
This is a very
personal story of mine. I learned a lot from this. I am sharing the same to
make all of us Heroes and Heroines.
My mom lost her
father when she was 10 years old. She became a teacher at the age of 18. She
became inspirational role model for many students, co-workers, and staff and to
me as well.
My mom had a dream.
She wanted to build a house. In fact, she built a bigger house.
Certain turn of
events happened, my father who worked in Bihar state took VRS and came home. He
had some retirement money and both of them invested the same in the house.
Eventually my father became a Zero. He was not having money rotation in his
hands. That became the stress factor in the house.
Invariably there
was not peace at home because of the huge investment in the property. To add
fuel to the fire, I had two unmarried sisters.
My father became
rule Ramaswamy started counted every penny. He learned minimalism from him from
childhood.
Every day in our
houses, we invariably have fights / arguments due to finance issues as the
house that we built started consuming more and more of his savings etc etc. Similar
to the song, ஓர் அனா இரண்டு அனா It was a mess for all of us in the family.
My mom achieved her
dream. Everyone around us was appreciating her hard work. But she lost her peace
of mind due to the house.
Daily stresses
started accumulating from childhood had created impact on her health. After
retirement, she got Blood Sugar and depression so on and so forth.
She did not suffer
for one month, two month or 1 year. She had suffered for 15 years. She used to
watch நிம்மதி உங்கள் சாய்ஸ். She was not peace with herself.
What happened to the house that she
constructed?
Again some turn of
events happened, we had to sell the same house which had constructed after 25
years. The buyer completed demolished the house. I was scattered into pieces
when I saw demolition in front of the eyes. My mom and I used to go to house at
3am in the morning to unload bricks for construction of the house. My mom shed
her blood to build every stone of the house.
Eventually my mom
passed away after few months. The house that she built was gone. When I was
travelling on her last journey, this thought that came to my mind இதற்கு தானாய் ஆசைப்பட்டாய் பாலகுமாரா.
These are some of
lessons that I learnt from my mom. To be Heroes and Heroines, let us learn from
others mistakes.
·
She was
chasing her materialistic dream. In the process, she lost herself.
·
Don’t
put all your savings on one bucket.
·
Nothing
is permanent in life.
·
Similar
to credit card expiry date. Our property also has an expiry date.
·
If we
have a rewind button in life, I would have built a smaller house and would have
more peace of mind in the family. My mom would have lived longer.
·
If you
are not careful, your property investments could suck up your peace of mind.
·
I see
similar trends in a lot of families who are losing their peace of mind due to
property investments.
·
They
give up their life and savings in EMIs and losing their peace of mind.
·
The
society around you is trying to create insecurity in you to build a dream
house.
·
Similar
to எலி பொறி,
they try to keep some sweetness
and trap our self in எலி பொறி.
We will get sucked up into the
system. All the big realtors are setting a எலி பொறி for us in terms of beach house etc etc. Let us think through carefully
and decide the house.
·
If both
husband and wife are earning, let us buy the house in one earning so that the
remaining one we can keep for contingency expenses.
·
Have 2
to 6 months of saving for immediate expenses.
·
I see
similar trend in many families. Nowadays, we are getting loan very easily.
Because of this mentality, we tend to stretch beyond our reach and getting us
sucked into the system.
·
வாழ்க்கை வாழ்வதற்கே.
Life is not just to build a
house or buy a car.
·
Look
for daily peace in the family before going for materialism.
·
To
extend further, Go for minimalism. Check out the TED talk on this.
·
Live
life on necessity and needs.
·
Understand
your wants very clearly. Distinguish between your Needs vs Wants before go for
any huge investments.
·
My mom
had full filled her materialistic need and her big dream. It sucked her into
that dream.
Exercise: Evaluate
on your earning potential and have a long term plan to life. Segregate it into
wants and needs.
·
To
extend further, Go for minimalism. Check out the TED talk on this[Link given
below].
Tagline: நிம்மதி உங்கள் சாய்ஸ்
Conclusion:-
In my mom’s case, it was a house. It could be your dream
car, Dream Company or any materialistic need. Our ancient proverb says, “போதும் என்ற மனமே
பொன் செய்யும் மருந்து”
Thiruvellur says, பீலிபெய் சாகாடும் அச்சிறும் அப்பண்டஞ்
சால மிகுத்துப் பெயின்
It means, மயிலிறகு ஏற்றிய வண்டியே ஆனாலும் , அந்த பண்டமும் (அளவோடு ஏற்றாமல்) அளவு கடந்து மிகுதியாக ஏற்றினால் அச்சு முறியும்.
I read this somewhere. A person started to earn to get some
AC air. While earning, he forgot to take time for getting or experiencing AC.
Most of us are like that.
We all have only one life to live. Live peacefully for 100
days. Not to collapse in 10 years. To live life for 100 days, let us analyse
our decisions whether it is driven by needs or wants. Take wise decisions.
First thing in life is peace of mind and then materialism. Without
peace of mind, having materialism is of no use.
நிம்மதி உங்கள் சாய்ஸ்
Videos:-
Less Stuff, more happiness
Writer and
designer Graham Hill asks: Can having less stuff, in less room, lead to more
happiness? He makes the case for taking up less space, and lays out three rules
for editing your life.
Graham Hill
is the founder of TreeHugger.com and LifeEdited; he travels the world to tell
stories of sustainability and minimalism. He tweets at @GHill.
About me:-
EP-0 - Who am I? - Rajesh Narayanan
If you do not know me personally, you can check out this
video
No comments:
Post a Comment