He pawisa fungible kan tih lai tak hi economist Richard Thaler-an a rawn challenge a. Mental Accounting zawk a ni pawimawh, a rawn ti a. 2017 khan Economics ah Nobel Prize a dawn phah a ni.
Hemi tak hi tunlai ka rilrua awm tam a ni a. Mizoram economy bik zirna hi ka la hmelhriat tam lo a. MZU lamah te thesis ṭha tak tak a awm tawh mai thei. Economics thiam ai chuan Mizoram socio-economy hrechiang hi an Thesis a ngaihnawm fu ka ring, keimah bik ah.
Thaler-a concept hi Mental Accounts lam a ni a. A rawn hrilhfiah chu mihring hian kan pawisa kan hman dawn hian kan pawisa hi amaha a hlutna - a fungible na - aiin keimahni ngaihtuahnaa "mental folder" hrang hrang mil zawkin kan hmang ṭhin a ni. Computer kan hmelhriat a, computer ah chuan folder 📂 hrang hrang kan nei a, folder te hian thuhlawm khat an kengkhawm ṭhin a ni.
Entirnan, vairamah kan zin changin auto fare ah cheng 10 lek pawh kan in dawn hrep peih a. Auto aṭangin kan chhuk a, mall ah coffee no 1 ₹300 in kan lei a, ngaih loh lamah kan ngai leh miah lo a.
Mizoramah pawh anṭam tel 1 ₹50 an tih chuan ₹40 ti mai turin kan dawn peih a. Millenium Centre ah kan lut a, kawr mawi leh ṭha em em pawh ni lo, a "tunlai" vangin ₹3000 in kan lei leh mai bawk a.
A awmzia ah chuan kan Mental Accounting ah chuan folder hrang hrang kan nei a. Transportation folder 📂 hnuaia sub-folder Auto Fare 📂 aṭanga pawisa chhuak tura kan ngaih chuan ₹10 khan lukhawng a nei em em a. Mahse mall kan lut a, mall chu Entertainment folder 📂 hnuaiah kan lo dah a, a pawisa chhuak tur kan han ngaihtuah pawhin coffee no 1 ₹300 man kha a to kan ti leh lo a ni. Brand Consumption kan tih, brand hming inbel leh ei/in lampang kha chu dahṭha daih rih ila. A pawisa chhuahna atana kan rilrua lan dan 📂 kha a pawimawh em a ni.
Chutiang tho chuan Chawhmeh Leina 📂 aṭanga chhuak atan chuan ₹10 kha a tam. Mahse Thawmhnaw 📂 ah pawh MC 📂 aṭang chuan ₹3000 kha a chang phei chuan "a tlawm" leh daih.
Hemi example scenario 2 ah hian a hnuhnung zawk zelah te hi chuan ₹10 hian hlutna tak tak a nei zo miah lo. Coffee no 1 ₹300 cash a kan lei ṭumin ₹10 discount in ₹290 te in min lo leitir hlauh ta se, an serving table a donation/tips jar ah ₹10 chu kan thlak daih tlangpui. MC ah phei chuan kawr ₹3000 man hi "ka pe tlawm ang che, ₹2990 in i la dawn nia", an ti lo ang, an fiamthu viau te a nih loh chuan. ₹10 khan lukhawng a nei lem lo.
Chutiang a nih chuan pawisa hi a lo fungible tak tak seng lo a ni. Kan rilru ah 📂 hrang hrang kan lo siam sa a. Hetiang folder te a rualkhaia hrut chu a har khawp mai. Chawhmeh ₹50 man a ₹10 kan save chuan 20% discount a ni a, kan thluakin a ṭha a ti a, a hlim. Tunlai ṭawng takin kan thluakin dopamine a release a ni. Chutih laiin ₹3000 mana ₹10 kan save chu 0.33% vel chauh a lo ni a, kan rilru a 📂 hrang hrang lo manage tu kan thluak hian a ho tham a ti tlat. Zero dopamine.
A nihna takah chuan ₹10 save tur tho a ni a, ₹10 ṭheuh ṭheuh, chawhmeh zuar aṭanga kan save emaw thawmhnaw man aṭanga kan save emaw amah ₹10 kha chu a ngai reng. Kan Mental Accounting hi kan buaina a lo ni.
English ho concept "penny wise, pound foolish" tih pawh hetah hian a leng a. Pawisa tlem thamah chuan kan fing fu, pawisa tam thamah kan fing zo leh si lo. Hman deuh khan Mizorama corruption chungchang titi naah kohhran sum naia 1 pawh eiru lo tur hian sorkar/mipui sum ah chuan nuai tam an ei leh si, an tih ka hre tawh a. Ka hre chhuak zawk! Mental Accounting vek a lo ni e. Pawisa, amaha fungible em em si, kha keimahni a hmangtu te hian kan ti fungible lo zo ṭhin a ni.
Hei hi brand concept ah hian a chiang khawp a. Brand names ho hian he Mental Accounting hi an chiang khawp a. Kan thluaka folder hrang hrang te an activate thiam a ni. "Branded" kan tih ho thil kan lei hian amaha a hlutna bak tam tak kan lei tel a. Kan pawisa a nia, kan hman duhna a nih a, Image te kan ngaihpawimawh chuan kan thu a ni. Pawisa kan ngah lo a, kan in khawl a, kan invest duh anih thung chuan Brand Consumption hian kan Mental Accounting a suk ngheh tawh zia hi kan hriat a ṭha a. Brand Consumption kan tih hian high end brand te chauh ngaihtuah lo ila, keimahni level a "China ṭha ania" tih ang te "(XYZ) khaw chhuak ngat ania" tih ang te kha a leng vek. A tawpah chuan chawhmeh zuar te fight vak vak aiin keimahni thluaka Mental Accounting zawk hi kan fight a ngai tihna a nih chu!
Sorkar hnathawk ka ni a, sorkar hnathawk bulah ka awm tam a. Ka lo notice ṭhin chu kan thla hlawh Salary/Wage leh engemaw thil danga TA/DA/Honorarium/Sitting Allowance etc. te kan treat dan pawh hi a dang fu zel. Kan thla hlawha kan lei duh lem loh, a ṭul ka ti lo, ka afford lo, kan tih hi source dang aṭanga pawisa lo lut kan neih chuan kan lo "afford" leh tho a. Afford kan tih lai tak kha a fungible pawisa leh keimahni standard of living nen kan lo teh vak lo. Wealth building hi a hla leh hret ṭhin. Kan goal hi wealth building a nih lem loh chuan thuhran leh tho. Awmzia ber chu Mental Accounting ah extra money 📂 angin kan dah a, hlawh angin kan treat chiah lo a, sum khawl emaw peipun emaw ai chuan entertainment 📂 aṭanga hman mai khan kan thluak a hlim zawk. Khawl hlek ila kan lei leh theih tho si erawh chuan long run ah chuan a ho deuh.
Source hi a pawimawh khawp a. Nazareth English School, Chhinga Veng-a kan headmaster Sir Matthew hian hman aṭang tawh khan keini a students te bulah "Hard earned money hi a hlu" tih min zirtir ṭhin a. Class 2 naupang pawhin kan theihnghilh lo chu a nih hi. Ka puitlin hnu hian pawisa lo lut awlsam chu a chhuak leh awlsam, kan ti liam puat ṭhin a. Thu tam tak a sawi a. Ama socio-economy pawh a awm ang a. Mahse Mental Accounting mit aṭanga kan en chuan source 📂 hrang hrang kan lo nei mai thei a. Kan "hard earned money" ni lem lo chu Treats For Myself 📂 ah a lut vek a ni mai thei. Khawl a lo har phian.
Source legit or not legit tih te, penny wise pound foolish tih te chu engpawh lo ni se, smart wealth building atan chuan kan Mental Accounting hi kan fight hmasak a lo ngai anih hi.
Harsa si.
PS: Mihring hi kan fungible ve lo, an ti thin a. DNA zawng tak pawhin a dik ang a. Mahse mihring kan nihna ni lovin Labour Force kan nihna ah erawh chuan fungible tak tak hi chu kan awm duh hmel. JK.
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