भारताचे प्रभू श्रीराम आणि गीता आचरण

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काल दि. १७ जून रोजी भारताच्या दृष्टीने दोन महत्वाच्या घटना आपण अनुभवल्या.

पहिले म्हणजे संयुक्त राष्ट्र महासंघाच्या सुरक्षा परिषदेचे अस्थायी सदस्यत्व भारताला प्रचंड बहुमताने मिळाले आणि दुसरी घटना म्हणजे तैवान या देशातील “तैवान न्यूज” या पेपरने भारतीय सैनिकांनी चीनच्या भ्याड कृत्याला दिलेल्या लढ्याचे वर्णन “प्रभू रामचंद्र चिनी ड्रॅगन ला मारत आहेत असे केले आहे.”

या दोन्ही घटना भारतीय म्हणून अभिमान करण्यासारख्याच आहेत. जवळपास सात दशके आपल्या राष्ट्राने परिश्रम करून जगात मानाचे स्थान मिळवले आहे आणि त्यातही आपल्या राष्ट्राचं नैतिक अधिष्ठान याचं मापदंड म्हणजे प्रभू श्रीराम आहेत असे बाहेरील राष्ट्र सुद्धा मानतात.

या चित्रात प्रभू रामचंद्रांचे असणे हे जागतिक दृष्ट्या फार महत्वाचे आहे. याचे कारण म्हणजे प्रभू रामचंद्र हे मर्यादा पुरुषोत्तम आहेत आणि ते कधीच मर्यादा ओलांडून अनैतिक कार्य करणार नाहीत असाच संदेश या चित्रातून भारताच्या भूमिके बद्दल जातो. चीन या राष्ट्राने, भारताने नियंत्रण रेषा पार केली अशी कितीही बोंब केली तरी प्रभू रामचंद्रांच्या या एका चित्रातून भारताच्या नैतिक मुल्यांचे दर्शन जगाला नक्कीच झाले.

परंतु नाण्याच्या दुसऱ्या बाजूचा विचार करणे देखील गरजेचे आहे. भारताला अनेक वर्षांपासून संयुक्त राष्ट्र महासंघाच्या सुरक्षा परिषदेचे स्थायी सदस्यत्व हवे आहे. जगातील जी प्रमुख पाच राष्ट्रे या परिषदेचे स्थायी सदस्य आहेत त्यांचा विचार पण आपल्याला करावा लागणार आहे. अमेरिका, रशिया, चीन, ब्रिटन आणि फ्रांस हे पाच देश या परिषदेचे स्थायी सदस्य आहेत. या पाच राष्ट्रांचा इतिहास आपण वाचला तर आपल्याला लक्षात येईल कि, मानवाधिकारांचे उल्लंघन करण्यात, दुसऱ्या राष्ट्राची भूमी हडपण्यात, लाखोंच्या संख्येत नरसंहार करण्यात सुद्धा हि राष्ट्रे अग्रेसर आहेत. अश्या राष्ट्रांच्या शेजारी आपल्याला बसायचे असेल तर मानसिक दृष्ट्या आपण तयार आहोत का? आज प्रभू रामचंद्रांचे युद्धभूमीवरील चित्र बघून आपण उत्साहित असलो तरी मागील सात दशके जगाने आपल्या मर्यादा सांभाळणाऱ्या मुल्ल्यांचा उपहास उडवला. याचे कारण म्हणजे “आपल्याला कुणी एका गालावर मारले तर दुसरा गाल समोर करण्याचे जागतिक धोरण”. राष्ट्र म्हणून आपल्याला ज्या पाच राष्ट्रांच्या शेजारी बसायचे आहे ते तरी इतके लेचे पेचे धोरण स्वीकारतील का?

प्रभू रामचंद्र यांना आपले आराध्य मानणाऱ्या माननीय अटलजींचे सरकार जगाने बघितले. राष्ट्रीय स्वयंसेवक संघाच्या संस्कारात तयार झालेले अटलजी हे सगळ्यांना हाताळायला सोपी वाटले कारण, त्यांना हे माहित होते कि अटलजींवर प्रभू रामचंद्र आणि संघाचे पक्के संस्कार आहेत आणि ते विनाकारण कुणालाही त्रास देणार नाहीत. त्याचे काय आहे नं , संघाच्या स्वयंसेवकांमध्ये जन्मजात मॅन्युफॅक्चरिंग डिफेक्ट आहे कि, संघ स्वयंसेवक कितीही सामर्थ्यशाली झालेत तरी ते कुणालाही स्वतःहून त्रास देत नाहीत आणि स्वतःचे नुकसान सहन करूनही समाजाचे कल्याण करण्यात आयुष्य खर्च करतात. अश्याच प्रभू रामचंद्रांचे आणि संघाचे श्रेष्ठ संस्कार माननीय अटलजींवर आहेत हे जगाला माहित असल्यामुळे त्या वेळेला अटलजींना आणि पर्यायाने भारताला त्रास देण्यात काही राष्ट्रे अग्रेसर झाली होती.

WION या न्यूज चॅनेल वर विन्स्टन चर्चिल हा माणूस किती वर्णद्वेषी होता, भारतीय लोकांना तो कसा फक्त जनावरं समजायचा आणि दुसऱ्या महायुद्धाच्या काळात त्याने बंगालमध्ये १० लाख लोकांना कसे उपाशी मारले याची बातमी बघितली. भारतीय न्यूज चॅनेल म्हणून त्यांनी चर्चिल ला शिव्या दिल्या हे बरोबर परंतु ब्रिटिश लोक त्याला त्याच्या याच गुणांसाठी महान समजतात. भारतातील १० लाख लोक उपाशी मारून त्याने ब्रिटिश सैन्याचे पोट भरले होते. या कृतीला तेथील लोक महानच समजतात. भारत असेच अत्याचार मागील १५०० वर्ष सहन करतोय आणि लाखोंचा नरसंहार सुद्धा आपला झाला आहे. फरक केवळ इतकाच,अत्याचार करणारे लोक आणि राष्ट्र बदलत गेलेत. आपण जेव्हा कमकुवत होतो तेव्हा आपला संहारचं झाला.

पण आता परिस्थिती बदलली आहे, ज्यांनी आपल्या १० लाख लोकांना उपाशी मारले त्या देशातील आपला उद्योग जेव्हा रतन टाटा बंद करायला निघाले तेव्हा ब्रिटिश पंतप्रधान विनवणी करून त्यांना परत बोलावू लागला. तेच ब्रिटिश सरकार अनेक ठिकाणी आज भारताच्या बाजूने झुकलेले आपल्याला दिसतं. संपूर्ण जगाला आता हे नक्कीच समजलं आहे कि, १५०० वर्ष अत्याचार सहन करूनही जो समाज संपला नाही आणि उलट जगाच्या पाठीवर अधिक बलशाली होऊन उभा आहे त्याच्याशी वैर परवडण्यासारखे नाही. म्हणून तर स्वतःचे स्थान भारतीयांच्या मनात उभे करायला भारताच्या पंतप्रधानांना बोलावून हि राष्ट्रे त्यांच्या देशाचे सर्वोच्च सन्मान बहाल करत सुटले आहेत.

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आधी अटलजी सुद्धा हे आदर्श नेतृत्वच राष्ट्राला देत होते आणि प्रभू रामचंद्र तथा संघाचे संस्कार आचरणात आणत होते. परंतु आता परिस्थिती थोडी वेगळी आहे. भारताचे सध्याचे नेतृत्व जे लोक करत आहेत ते सुद्धा प्रभू रामचंद्र आणि संघाच्या संस्कारांना मानणारे आहेत. फरक इतकाच कि सध्याच्या लोकांनी भगवान श्रीकृष्ण पण आचरणांत आणायचे ठरवले आहे. आता या वागण्याला जगाने मान देण्याचे किंवा घाबरण्याचे कारण ते काय?

याचे कारण म्हणजे ३५० वर्षांपूर्वी भारताच्या इतिहासात प्रभू रामचंद्र आणि भगवान श्रीकृष्ण या दोघांची शिकवण आचरणात आणून छत्रपती शिवाजी महाराजांनी केलेल्या पराक्रमाची जगाला असलेली जाणीव. भारताचे सध्याचे नेतृत्व हे कृष्णलीला आणि छत्रपती शिवरायांचे धोरण आपले मानूंन जर वागले तर काय होईल हे जगातील जाणत्या राष्ट्रांना नक्कीच कळतं. अश्या राष्ट्रीय नेतृत्वाच्या मागे जर देशातील समाज उभा ठाकला तर हे राष्ट्र नक्कीच काही मोठं करू शकतं याची पुरेपूर जाणीव जगाला आहे.

जगातील सगळ्या राष्ट्रांना जरी हे ठाऊक असलं कि भारताचे सध्याचे नेतृत्व हे प्रभू रामचंद्र आणि संघ संस्कारांना मानणारे आहे तरी त्यांना आणखी एक जाणीव नक्कीच आहे कि, ज्यांच्या हृदयात राम आणि आचरणात कृष्णलीला त्यांना हरवणे हे अशक्य.

II अवधूत चिंतन श्रीगुरुदेवदत्त II

Distractions : The Real Goal Killers # 1

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Have you ever seen a Steeplechase race in the Olympics or any other athletics event? The steeplechase is an obstacle race in athletics, where athletes have to cross several barriers to complete the race & achieve their goals. A 3,000 meters’ steeplechase is defined in the rule book as having 28 barriers and seven water jumps.

If you observe carefully, like every other race there will be few athletes who enjoy completing this race while few of them get tired, feel fatigue, get several cramps & in the end fall down while jumping on any of the barriers. To complete such a race with so many barriers & obstacles, the athletes train themselves every single day in order to be fit, focused & most of all to improve their competency to overcome all those obstacles.

The key towards staying inspired for such a training is burning desire to win, awareness of the obstacles involved & will to improve their competencies to overcome these obstacles.
In our respective lives, in order to succeed, to achieve any life goal & to complete the race we also need to overcome certain barriers on a daily basis. As in steeplechase you can see the barriers clearly, whereas in our day to day life we chose to ignore them because we ourselves create those barriers & get distracted.

In my opinion below are the self-made barriers that causes distraction on daily basis in our race to achieve our life goals-

  1. Mobile phones
  2. Social Media Platforms
  3. Television
  4. Clutter
  5. Relationship issues
  6. Past failures  
  7. Addictions – Alcohol, Smoking, Tea, Coffee
  8. Excessive partying 
  9. Gossip
  10. Comfort zone mindset & Procrastination

 

Let us look at these barriers & distractions in some details

1.Mobile Phones –

Believe me nothing has created more distraction than this small appliance called mobile phone in the last 10 years in our daily life. People of all ages like students, professionals, non-professionals & even retired personnel are equally addicted to mobiles now.

When I say addiction it means, keeping mobile near to you always, carrying it from one room to another even though it’s not required, watching complete season of a web series in one go, paying attention to its blank screen even though we are in a serious conversation with someone, taking photographs of the delicious food instead of enjoying it & most importantly feeling of urge to check the mobile when you hear a message tone.

If you are experiencing any of the above symptoms that means you are completely addicted to your mobile phone.

Just by observing your own behavior closely you will realize, your mobile phone is actually creating a lot of distractions towards focusing on certain tasks & your distracted mind is struggling & taking too much time completing certain tasks. Such delays in task completion causes piles of unfinished work at the end of the day & results in a lot of stress.

Even though we are working real hard every day, such stress caused by unfinished work delays gratification & also creates future barriers in focusing & planning for long term goals.

Looking at all these symptoms, there are so many mobile DE addiction centres & therapies operational around the world. So, if you genuinely wish to take control of your day’s activities & regain the lost focus, start using your smart phone in a smarter way.

You can try below ideas-

  • Decide specific timing in a day to watch your favorite shows.
  • When spending time with your partner & kids try to keep mobile in a different room.
  • Keep mobile away while eating, watching TV or while doing any activity where mobile is not a necessity. Enjoy that particular moment completely without distractions.

2.Social Media- 

 This is one tool if used properly can create miracles for you or else you will never get any idea how badly you have wasted your time in it.

I personally stopped using “Facebook” in 2012 & recently reactivated my profile. The reason to stop using Facebook was simple, I was spending hell lot of time on it during my working hours. It created enough distraction for me, my performance & behavior was badly affected in office & in personal space too.

There is a race on for everyone on such social media sites to prove how intelligent & knowledgeable they are. In India, other than sharing happy memories & cultural event photographs on social media, the favorite pastime of people is posting on social media sites about their views on politics, religion & national security affairs.

I really wonder, how come anyone becomes so desperate & intelligent to talk on politics, religion & national security matters on social media sites. Also, people who invest their maximum time in posting such matters go to an extent that they start fighting with their own friends if they have different opinions about the matter.

The problem with such social media platforms is, they are simply addictive. Youngsters keep posting on such platforms in anticipation of appreciation & likes for their posts. If they get less likes & comments, it’s very easy for them to get demotivated. At times, so many of them feel inferior only because their friends seem far happier & fulfilled in the photographs that they post on their profiles.

In critical times like what we are facing due to Covid -19, we need to focus on improving our competencies to stay on track to our goals.

So one needs to understand, is it really worth to spend this much of their time & energy on social media platforms which compromises on their daily tasks & in the long run on their life goals.

Such social media platforms are good till we use them to connect with our friends & for sharing happy moments.  Let us draw a boundary for their usage & get our focus back on our goals.

3.Television- 

I still remember how I closely watched each & every match of the 2003 Cricket world cup even though it was colliding with my graduation final year exams. The reason I used to give to my parents for watching TV was, it relieves study stress & I feel fresh after that. It was a complete lie & the effect is visible in my above average final year grades.

There were so many of my friends who were glued to the TV & they became couch potatoes with this routine. All they were doing is keeping a study book in one hand & TV remote in another. We were giving exercise to our thumbs only by changing TV channels frequently from 1-100. It not only wasted our precious time but also hampered our ability to focus & concentrate on one single task.

Nowadays there is a decline in TV viewership, thanks to many entertainment applications available in mobile phones. But still there are viewers who continue to enjoy family drama serials, heated debates on news channels & few of the TV reality shows. Sometimes the craze goes up to the level that, family starts debating on political views after watching heated debates & sometimes the kids stay deprived of their food since the family has completely lost their mind in watching TV series.

Let us understand, watching TV with family should be a joyful time where the entire family sits together, laughs, shares their day and enjoys the time. This quality time spent with our loved ones should encourage us more for the next day’s hard work rather than spoiling it by debating on irrelevant political issues. If we can use this time properly watching television won’t be a distraction & it will definitely help us in a better way.

In this part 1 of my article, I have discussed the first three contributors which distracts us from our goals & attaining success. I shall discuss the rest of the contributors & shall try to throw some light on how to attain our focus back in Part 2 of this article.

 

Kindly comment below your views about the article and please do share any of your experiences regarding distracting factors in your life.

 

To read my last article, kindly click on the link Create Your Personal Success Journal to Learn & Grow

 

II अवधूत चिंतन श्रीगुरुदेवदत्त II

 

Create Your Personal Success Journal to Learn & Grow

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In my previous two articles, I wrote about positive side of lock down & how to plan a budget to tackle any contingency that may arise due to this Covid-19 critical situation.  You can read both these articles by clicking below-

 

Many of us might have seen the movie “The Greatest Game Ever Played”, it’s based on Golf & specifically US championship golf. They have a dialogue in that –

“There are only two types of players in this world, one who keep their nerves under control & win championships & others who do not”  

How many of us can keep their nerves under control while facing challenging situation?

To handle the challenging situation that has arisen due to Covid-19 pandemic globally, one will need immense self-control & awareness. To keep nerves under control, it takes immense preparation & knowledge of self-strengths & weaknesses.

 

How to keep track of our Strengths & Weaknesses – 

Recently I got an opportunity to present my “Selling Experience” to my team mates, thanks to lock down & work from home routine. Many of us who are working from home during lock down are attending number of virtual meetings & training sessions.

My team mates also thought of an idea that, every team member will present one topic each relating to job skills & rest others can benefit from the session.

I am working as a sales professional since last 18 years, so my team mates wanted me to present on the topic of “Selling Experience”.

Out of so many successful projects I had handled, I specifically chose six of them to present to my team.

The idea was to share how these projects were tough & unique, what were my strategies at various stages of those projects & most importantly what were the key learnings from these successful projects which helped me to grow in my career.

My presentation went well & everyone liked it. Moreover, some of my colleagues asked me how could I remember so many details about projects that happened nearly 10-12 years ago. I simply replied, by maintaining a “Success Journal”. Many successful men and women have kept personal journals & fortunately I am one of them.

As a young sales professional, I was going through extreme demotivation & frustration. The reason was, I chose to drop out from college post-graduation due to financial challenges & the situation forced me to work as a sales professional.

The one thing that kept me hanging on was through the writing and reviewing of entries in my personal journal. Knowing how far I’ve grown was the fuel that helped me grow further.

The habit of thinking on paper contributed the most in my career. Writing down all the plans that comes to mind along with steps to execute the plan, always paid high dividends. It not only saved my time during execution but also provided much needed motivation & clarity throughout my career.

As I started getting orders & winning big projects, I use to write down in my journal about challenges faced, preparation done, my response to difficult customer objections, after sales strategy & key learnings of the selling process.

These notations in my journal kept me guiding through difficult phases when sales were down & it helped me immensely to come out of feeling of failure when I lost few of the very important projects.

At certain point, I wrote about my thoughts, feelings, inspirational quotes, goals, people & events around me in my journal. The idea was to get more clarity & confidence through writing all the experiences.

Maintaining record of your success & areas of strength always help in long run. It also guides you towards your areas of development.

 

Benefits of Creating Personal Success Journal –

You can use a physical journal, a blog or a plain text editor on your computer — it really doesn’t matter. But use it to reflect on, develop and prioritize your personal set of values, goals and most importantly, learning experiences. You can use it to capture ideas, new skills, different strategies learned, situations you are facing, questions about yourself and answers you come up with.

Your journal can become a great tool in tapping so many new ideas, goals, plans & inspirational thoughts. Additionally, it becomes very important for you to be able to keep a record & refer back to it when required. References can help you to become resilient and flexible in times of challenges.

If you had faced a bad experience or a failure & overcame it in the past, the journal can help to remind you about your successes or the learnings from such experiences, if another challenge confronts you in your life.

Remember every challenging situation provides an equal opportunity to learn & grow from it. But for that, you should have the clarity about your actions, strengths & areas of development. One can get ready reference about their own qualities if they maintain such a journal for themselves.

We all are currently facing the extreme negative impact of Covid-19 pandemic. The world will not be the same after this lock down for working professionals.

As many companies & employers are facing huge business losses & economy slowdown is predicted on the cards, there could be mass employee layoffs & no one knows how long this recession may last.

Conclusion

This ruthless situation when there are constant rejections, can lower any person’s self-confidence & can turn that person low on self-esteem.

Building your strengths is surely a great way to increase your self-esteem & for that you must know your areas of development & ways to grow on them.

Your personal success journal can be an excellent tool for helping you to understand your strengths & areas of development.

Do let me know your feedback about the article in comments box below & some of the experiences you felt by creating Personal Success Journal
II अवधूत चिंतन श्रीगुरुदेवदत्त II

Budget Planning to tackle lock down crisis

Budgeting

In my article Lock Down! The PAN INDIA Big Boss!! , I spoke about the positive side of the Lock Down & how we all still have our precious blessings of food, clothing, shelter & our loved ones around.

I spoke about making a list of things & assets that we still have with us. This gives us immense confidence while handling day to day tasks during this challenging time. Also, I urged the readers, to revisit & rework financial priorities & investment plan.

In current scenario there are two reasons why all of us need to rework financial priorities-

  1. Some of us might be facing cash crunch due to stretched lock down
  2. To stay prepared for future the financial fall out if any

No one clearly knows what financial implications we may face after this Covid-19 lock down situation. However, there are few financial experts who are predicting that, common citizens may face worst effects of this situation due to huge business loses and slow down & it will take nearly 18-24 months for complete economy revival.  To cope up with this, companies may plan cutting employee salaries or lay off their employees.

Also, some of the investments are also at risk. Many of us might be aware, globally reputed & India’s 9th largest Mutual Fund house “Franklin Templeton” announced on April 24th that, they are winding up six debt mutual fund schemes. Debt schemes are considered low risk & stable investment option for mutual fund investors. As India has taken the massive economic hit due to lock down, investors started pulling their money out from these debt schemes as they needed cash or they were concerned for their invested money.

This surprising “winding up” decision by Franklin Templeton has sent shock waves across the market & public at large. Seasoned Investors who usually love to invest in market slowdown are also waiting for this time to pass now. The reason is quite obvious; no one knows what will happen next & no one also wants to land up in financial contingency scenario.

So, in case there is some financial contingency then, “How do we plan to handle it? “

The answer is simple, by planning well in advance for it & staying disciplined towards the planning. Considering the period from today for next 18-24 months, we can work upon certain things. In depth financial planning will definitely help to keep us on track & it will offer certain peace of mind too.

You can do your own financial planning by below steps-

  1. Evaluate your present financial situation
  2. Set financial goals & prioritize them
  3. Understand cash flow & make a budget plan
  4. Analyze your life, health & general insurance needs
  5. Monitor your financial situation periodically
  6. Create an Emergency Fund

 

Let us look into above steps in some detail –

Evaluate your present financial situation

When you decide to start financial planning, the first thing you need to know is what is your current position. Understanding your strengths & weaknesses will assist you in taking better financial decisions. In order to do this, you need to record regarding below aspects in a systematic manner-

  • Personal details & dependents details
  • Health related information of self & dependents
  • Your assets & liabilities like loan repayment installments & credit card bills
  • Insurance details (Life, Health & General insurance)
  • Existing investments & asset allocation
  • Plan for major developments expected in coming time like marriage, child birth etc.

Set financial goals & prioritize them

Goals & objectives provide a focus, purpose, vision & direction for the financial planning process. So, when we are planning for next 18-24 months, it is very important to determine clear & specific goals. Once you decide on the goals that you want to achieve, prioritize them.

In order to prioritize your goals, it is important to understand the difference between ‘needs’ & ‘wants’. Needs are things you must have to live such as food, clothing & shelter. Wants are things you would like to have but do not need in order to live.

Everyone must understand this, there is a high chance that we may go for unnecessary shopping once this lock down is lifted. We all are under lock down since so many days & may end up spending much more than needed. So, please understand the difference between your needs & wants & then make shopping list before you leave your home.

Understand cash flow & make a budget plan

In simple terms, cash flow refers to the inflow & outflow of the money. It is a record of income & expenses. The purpose of cash flow planning is to ensure a surplus. To control expenditures & to prevent debt traps one must have proper budget plan.

Budgeting is the best & most practical way of tracking spending. A budget helps you ensure that your income & expenses match. Budgeting also makes it easy to figure out the adjustments needed in spending habits.

Below are the steps involved in making a budget-

  • Income

The Firsts step is to list the sources of income. Income that is regular counts the most. This includes income received such as salary, pension, rent, royalty or income from any other regular resource.

It may not be possible to estimate some incomes, like interest & dividend incomes, bonuses & income from business, accurately on a monthly basis. In such situation an annual estimate can be made & divide it by 12.

  • Expenses

Expenses should be divided in three categories in a budget: fixed, variable & discretionary.

Fixed expenses may include-  loan repayments, rent payments, insurance payments.

Variable expense includes- Electricity bills, telephone bills etc.

Discretionary expenses include – Dining out, movie tickets, club memberships, hobbies & other bills that don’t require a consistent payment.

It is a good idea to write down the fixed expenses first. Although variable expenses are regular as fixed ones, they are not the same each month. If there is any surplus after accounting for fixed & variable expenses, you may allocate funds for discretionary expenses & investments.

  • Separate wants & needs

After making list of expenses, check for items where costs can be cut or eliminated entirely. This is especially important during this critical period of next 18-24 months & this becomes more important if you are budgeting to eliminate debt or save money for a specific goal.

  • Get the family on board

For successful budgeting, everyone in the family needs to know & understand the budget. Your spouse, kids, elders must be aware of this budget plan & understand the limits of spending.

  • Review the budget periodically

A budget plan is not a “make & forget thing”. It is a working document. Follow the budget every month & make required changes according to the needs.

Analyze Insurance Needs

Since we are planning to handle contingencies that may arise in next 18-24 months, we must look into the insurance requirements of self & dependents. The purpose of buying life & health insurance is to protect our hard earned savings & in case of death of bread winner of family, the family should be protected with insurance amount.

Those who have not given a thought to buying a life & health insurance so far must buy one immediately, as insurance companies may also increase their premium rates due to this Covid-19 situation.

  • Buy a term plan of life insurance as it gives more risk cover in lesser amount than rest options
  • You can buy health insurance with family floater option which covers spouse & children also
  • You must buy a health insurance for dependent senior members of family as they are more vulnerable

Monitoring Budgets

Once you are through with the budget plan & working on it, it’s always advisable to monitor your budget & financial situation periodically. If the actual expenses are more or the actual income is less than the budgeted, it’s time to give the budget a close relook & take immediate action to make it more accurate.

The following may be suggested-

  • Control excessive expenses not planned under the budget
  • Check if expenses under a particular head were budgeted under another head
  • Check if there was one-time non-discretionary expense that overshoot the budget
  • If necessary, curb discretionary expenses to adjust for increase in expenses not planned earlier in the budget

Creation of Emergency Fund

None of us have the ability to forecast the future or predict the hurdles that lie ahead of us. Moments of crisis are inevitable & they usually cost money. This makes building an emergency fund a financial priority.

Experts always advocate to create an emergency fund of minimum 6 months of budget requirement. In my opinion, those who did not plan for it earlier must plan for at least 3 months’ requirement. In case of loss of job due to this Covid-19 scenario, one must be able to handle the budgeted need for at least 3 months.

Conclusion

One must understand, no one was prepared for the critical situation of Covid-19 lock down, however we can control our response to it. The more you are organized, less stress you will have. The purpose of this financial planning is to stay prepared & manage our finances well during next 18-24 months. In addition to the points I have mentioned, one can take expert advice to understand in length & prepare accordingly.

Do let me know your feedback about the article in comments box below & some of the ideas you have implemented for a positive change in budgeting

 

 II अवधूत चिंतन श्रीगुरुदेवदत्त II

आई..भगवंतांची वात्सल्यमूर्ती!

cow 1

आई.. आज लेख लिहिताना शीर्षक काय ठेवावं हा प्रश्न पडला नाही मला. माझ्या आयुष्यातील अश्या अनेक चिंता फक्त या एका शब्दसमोर सहजगत्या संपल्या. शाळेत तिचं बोट धरून पहिल्यांदा जाण्यापासून ते स्वतःच करिअर सुरु करण्यापर्यंत असो कि, माझ्या बालपणातील खोड्या आणि तिने केलेले संस्कार ते आज माझ्या मुलीच्या खोड्या आणि  तिच्यावर होणारे संस्कार हे सारे सारे आईमुळेच घडले आणि पुढेही घडणार आहे. 

आज मातृदिनाचे अनेक विविधरंगी मेसेजेस आणि व्हिडिओज वॉट्सअँप वर आलेत. आपल्यापैकी अनेकांनी मातृदिनाच्या निमित्ताने आपल्या आईला शुभेच्छा आणि वंदन केलं असेल. तसं बघितलं तर, मातृदिनाची  संकल्पना हि पाश्चात्य देशांनी आणली आहे, तरी इतर डे साजरे करण्याला होणारा विरोध मात्र या दिवशी होताना दिसत नाही, याचं एकमेव कारण म्हणजे हा दिवस आईसाठी समर्पित आहे. 

आपल्या इथे म्हण आहे, ” स्वामी तिन्ही जगाचा आईविना भिकारी”, याचाच अर्थ तो सर्वांतर्यामीं परमात्मा ज्याच्यापासून हि सर्व सृष्टी निर्माण झाली, जो या सृष्टीचा पालनकर्ता आणि संहारक आहे, जो आदी आहे आणि अंत देखील, जे  स्वतः अनंत आहेत असे परमेश्वर देखील, या आईच्या मातृत्वाचा अनुभव घ्यायला ललाईत असतात. त्यासाठीच निरनिराळ्या युगात पृथ्वीवर अवतरित होऊन या वात्सल्याचा अनुभव घेतात. या सृष्टीत अशी एकही जागा नाही अथवा वस्तू नाही जेथे त्या सर्वांतर्यामीं भगवंताचा वास नाही, तरी प्रेमाने आपण असे म्हणतो, ” देवाला सगळीकडे उपस्थित राहणं शक्य नसल्यामुळे त्याने पृथ्वीवर आईला सगळ्यांवर वात्सल्यपुर्ण प्रेमाची जबाबदारी दिली”. 

आपल्या भारतात आपल्याला नरदेह प्राप्त झाला, हे आपले सगळ्यात मोठं भाग्य आहे. त्यातही मोजक्या  पुण्यात्म्यांना सद्गुरुप्राप्ती चे अमृतानुभव झालेले आहे. मानवजन्माचे परम उद्दिष्ट म्हणजे भगवद्प्राप्ती हेच होय. भगवंतांच्या चरणी लिन राहून, शेवटी भगवंतांची प्राप्ती आपल्या सगळ्यांना  व्हावी म्हणून आपल्यावर कृपेचा अविरत वर्षाव करणाऱ्या श्री.सद्गुरुंना देखील आपण ‘माउली’ म्हणून संबोधतो.  

आईचा महिमा इतका, कि आपण मोठ्या लोकांच्या प्रेमा बद्दल जरी  ते पुरुष असले तरी आदर व्यक्त करताना म्हणतो, “त्यांनी माझ्यावर मातृवत प्रेम केले.” प्रेमाची परकाष्ठा म्हणजे मातृप्रेम असं आपण मानतो. 

आईसोबत प्रेम,जिव्हाळा, वात्सल्य हि शक्ती असली तरी आपण एक विसरून चालणार नाही. या जगात सगळ्यात मोठी योद्धा देखील आईच आहे. ९ महिने आपल्या गर्भात स्वतःच्या देहाचा भाग बनवून बाळाचा सांभाळ आई करते, इतके कष्ट सहन केल्यावर प्रचंड प्रसव वेदना सहन करून बाळाला जन्म देते आई. इतकी अमर्याद सहनशक्ती भगवंतांनी फक्त स्त्रीलाच प्रदान केली आहे. असंख्य कष्ट सहन करत नवं सृजनशक्ती जोपासणारी हि आईच असते. 

बाळाच्या जन्मापासून, त्याच संगोपन, संस्कार, शिक्षण, आहार या सगळ्या जबाबदाऱ्या आई  समर्थपणे पार पाडते. बिकट परिस्थितीतही, आई आपल्या वाटणीचे घास मुलांसाठी ठेऊन त्यांचं पोट भरते आणि ते सुद्धा कुणाला न कळू देता. मुलांचे अनेक दोष पोटात घेऊन त्यांना सन्मार्गाला लावण्यासाठी अविरत कष्ट आपली आईच करत असते. विचार करा, आपले अनेक दोष आईने पोटात घेतले नसते, तर आपल्या वडिलांकडून आपल्याला कितीसा प्रसाद मिळाला असता. 

आजच्या काळात, आई आणि वडील दोघेही बहुतेक हे नोकरी व्यवसायात आहेत. मागील काही वर्षात स्त्रियांनी शिक्षणाचा भरपूर उपयोग करून नोकरी आणि व्यवसायातही आपले स्थान सिद्ध केले आहे. असं असताना देखील ज्या स्त्रियांनी मातृत्व स्वीकारलं, त्या नक्कीच आपल्या जबाबदाऱ्या समर्थपणे पार पाडत आहेत.

कॉर्पोरेट लिडरशिप या विषयावर लेखन करणाऱ्या माझ्या आवडत्या लेखकाचं खालील वाक्य मला फार आवडतं –

” Leadership is not about being in charge. It’s about taking care of those who are in your charge”  

या वाक्यानुसार विचार केला तर जगातील सर्वश्रेष्ठ लीडर हि आपली आईच आहे, असं मला वाटतं. कारण, सकाळी उठल्यापासून ते रात्री झोपत पर्यंत एकाच वेळी अनेक जबाबदाऱ्या पार पाडताना, अगदी भाजीत घालायच्या मिठाच्या प्रमाणापासून ते मुलांच्या शिक्षणाचा आणि लग्नाचा विचार ती करत असते. मुलांच्या उज्ज्वल आयुष्यासाठीचे निर्णय प्रासंगि कठोर का असेना ती सहज घेते आणि घेतलेले निर्णय तडीस न्यायला परिश्रम पण करते. इतकं असूनही मुलांच्या यशाचं श्रेय कधीच आपल्याकडे ठेवत नाही आणि जर का कधी अपयश आलं तर अधिक कठोर परिश्रमाची तयारी देखील आईच ठेवते. यालाच तर लिडरशिप म्हणतात. 

मिळालेल्या यशाचं किंचितही श्रेय आपल्याकडे न ठेवणं पण आलेल्या अपयशासाठी जबादारी स्वीकारून मुलांना परत उभं करणं हे आई निरंतर करत असते. म्हणूनच तर आम्हा मुलांना आईचा इतका लळा असतो. तो इतका अतिरेकी असतो कि आनंदातही आई आणि काही दुःख झालं तरी सर्वप्रथम आईचंच नाव जिभेवर येतं. 

मला इथे एक नक्कीच बोलावसं वाटतं कि, ज्या स्त्रियांनी लौकिकार्थाने मातृत्व न स्वीकारण्याचा निर्णय घेतलेला आहे किंवा काही कारणांनी ज्यांना मातृत्व करता आलं नाही त्यांच्या ठायीसुद्धा भगवंतांनी असीम मातृत्व प्रदान केलेलं आहे. प्रेम, जिव्हाळा, वात्सल्य, मातृत्व ह्या सर्व शक्ती भगवंतांनी स्त्रियांच्या ठायी प्रदान केलेल्या आहेत. आपल्या परिवारातील सर्व मातृशक्ती हि आईच्या, बहिणीच्या, मुलीच्या आणि इतर अनेक संबंधांच्या रूपात आपल्यावर वात्सल्याचा जो वर्षाव करत असतात त्यालाच मातृत्व आपण म्हणू शकतो. 

इतकंच काय, जर आपण इतर प्राण्यांचा विचार केला तरी आपल्याला हे मातृत्व बघता येईल. आपण कधी गायींचा गोठा बघितला असेल, ज्या ठिकाणी अनेक गायी आणि त्यांची वासरं असतात. गाय वासराला जन्म दिल्यावर इतक्या सगळ्या वासरांमध्ये आपलं वासरू नेमकं कसं ओळखते? तर ती आपल्या वासराच्या टाळूचा वास घेऊन ओळखते. आपल्याकडे सुद्धा, बाळाच्या बारशाच्या दिवशी बाळाच्या टाळूचा वास घेण्याची पद्धत आहे, ह्यालाच म्हणतात मातृत्व. 

आपल्या  शास्त्रात ऋणसिद्धान्तानुसार देवऋण, ऋषिऋण, ब्रह्मऋण आणि पितृऋण फेडण्यासाठी साधना सांगितली आहे. परंतु मनुष्य आपल्या जन्मात आणि त्या नंतरही मातृऋणातून कधीच मुक्त होऊ शकत नाही. अगदी आपल्या कातडीचे जोडे करून आईला घातले तरीसुद्धा नाही. एखाद्या मनुष्याने जर संन्यास आश्रमाचा स्वीकार केला तरी ती व्यक्ती मातृऋणातून मुक्त होत नाही. म्हणूनच या मातृशक्तीला वंदन करण्याचा विचार करून केलेला हा आजचा लेखन प्रपंच. 

शेवटी इतकंच म्हणेन, मी आज जे काही यश आयुष्यात मिळवू शकलो ते फक्त माझ्या दोन मातृशक्तींमुळे. सर्वप्रथम म्हणजे माझे समर्थ सद्गुरुमाऊली आणि त्यांच्यापर्यंत नेणारी माझी जन्मदाती आई. 

आजचा लेखन प्रपंच माझी सद्गुरुमाऊली आणि आईच्या चरणांवर समर्पित. 

 II अवधूत चिंतन श्रीगुरुदेवदत्त II

Lock Down! The PAN INDIA Big Boss!!

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All the “Big Boss” enthusiasts & fans must be familiar with the idea of getting confined inside a home with bare minimum groceries, clothing, disconnect with outside world, living with limited people & fighting & performing certain tasks on daily basis. So, the good news is all of us have a chance to compete with Big Boss contestants & become a celebrity in our own way by staying at home.

Before March this year, have anybody thought about anything like getting lock down at a certain place for more than 45 days? Did anybody think that, we may have to adjust with whatever grocery & basic amenities available for such a long duration? Also, just ask yourself, have anyone of us thought that we will handle this lock down from our homes with such an amazing patience?

None of us have thought & was prepared for the current lock down situation. But yet, most of us have handled it very well.

Many of us have witnessed willing full lock down of few celebrities in a TV show “Big Boss”. These celebrities stay inside a confined home for 45 days & gets paid for the stay & whole sorts of tasks that they perform. Final objective of everyone there was to be the last person standing & to win the prize money for the same.

We all are doing the same but with different attitude towards the situation. Contestants in the TV program fight & portrays fake love towards each other with the intention of winning the prize money. Whereas, all of us are staying inside our home & working hand in hand with our family to overcome this difficult challenge. We all are working for the reward of life & safety in the end of this lock down challenge.

Most of my male friends found it difficult initially to stay at home 24×7 with their better half with handling few household stuff & yet had to manage so many professional tasks by working from home. Similar is the scenario with some of the ladies as they are not used to their husband’s office work routine & their constant interference in household activities.

The reason for behavior of men I think is obvious, many of us think handling household tasks is responsibility of wife in a marriage primarily, even though she is a working professional.

However, this forced lock down has helped most of such individuals to grow in their approach & this will surely improve their bonding with their spouse.

This has become a new trend, you open your social media portal & you get so many pictures of new recipes made by men, women & couples together. Men doing house cleaning & helping and guess what, ladies are sharing these pics of their helping husbands on social media happily.

Positive side of this lock down could be, most of us who were not able to spend time with family are getting that time now. Above that, those who are married have an opportunity to understand each other’s work & daily life cycle.

Also, most of us must have realized by now that, we still have all the blessed things with us that are required to live a good life. We still have a shelter, food in the kitchen, business that’s still there, our knowledge & skill sets & above all our family.

Just think about those, who have lost some of these or all of these precious blessings. We can at least feel blessed about what is still there with us & start counting our blessings rather than feeling bad about the situation.

No one knows, what will be the scenario post lock down. However, we all can work upon few things which can definitely help us in longer run-

  • Make a list of everything that you still have (Count your blessings)
  • Rework your priority list of tasks
  • Re plan financial priorities & revisit the investment plan
  • Revisit & if needed, rework the loan repayment & insurance plans
  • Introspect & understand your areas of improvement on work front
  • Learn & add a new skill set to your Resume from multiple online options
  • Spare some time for family conversations while working from home
  • Spend time with kids & play like one
  • Make best use of this time towards bonding with your spouse
  • Reconnect with college friends & relatives (Enjoy the memory lane)
  • Seek help if needed & offer help to those who needs it

No one was prepared for this lock down & no one can prepare also as this is an unprecedented situation. However, we can very well plan & execute our response to this challenge.

Contestants in Big Boss show fight with each other & eliminate everyone around them. This is the only thing we have to ignore. By birth & nature we are social animals, so why to disconnect with our friends and family. We can overcome & excel in every situation by help & team work of our loved ones. Only thing is we need to stay connected with them.

One of the best skill one can learn during this tough time is,

“Seek help by asking for it when needed & offer help to those who are in need.”

In the end I just want to say, we all are from the “Dahi Handi” country & we all know how to crack the Dahi Handi.

So, let us stand close & shoulder to shoulder, give strength to others, let’s focus on the task at hand & let us crack that Dahi Handi & taste the sweetness of life again.

 II अवधूत चिंतन श्रीगुरुदेवदत्त II

आपण सगळे व्यसनाधीन झालोय का?

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आपण सगळे मागील ३ दिवसांपासून बघतोय देशात दारूची दुकाने सुरु केल्यानंतर साधारण एक प्रकारचा उत्साह काही लोकांत संचारला आहे. एक म्हणजे ज्यांना दारू विकत घ्यायची आहे ते लोक आणि दुसरे ज्यांना अश्या परिस्थितीवर खूप सारे मेसेजेस करायचे आहेत अशी मंडळी. सारं कसं एकदम व्यवस्थित झाल्यासारखं वाटतंय जणू. 

बरं  एकदा मेसेज करून आपण दमलो तर भारतीय कसले? खूप सारे दारू वरचे आणि झालेल्या गर्दीवरचे खमंग मेसेजेस अधिकाधिक करावे आणि सगळं कसं आनंदात आहे याचा भास करून घ्यावा. मग परिस्थितीवर मात करायला झटणारे डॉक्टर्स, पोलीस यंत्रणेतील आणि सर्व स्तरातील कार्यकर्ते मंडळी आणि त्यांचे प्रयत्न चुलीत गेले तरी चालतील.  

काही मेसेजेस मध्ये तर पोलिसांची कशी तारांबळ उडते दारूबाज लोकांमुळे यावर जोक्स फिरत आहेत. पोलीस दलातील अनेक बंधू -भगिनी गेली कित्येक दिवस आपल्या घरच्यांना भेटली देखील नसतील. एप्रिल आणि मे महिन्याच्या उन्हात दिवसभर आपल्यासाठीं ते लोक राबत आहेत. पोलीस दलातील अनेक भगिनी आपल्या लहान मुलांना जवळ देखील घेऊ शकल्या नसतील सध्याच्या परिस्थितीमुळे.  अश्या परिस्थितीत पोलिसांना आणि आपल्या जीवावर उदार होऊन राबणाऱ्या कार्यकर्त्यांना मदत करणे हे आपलं प्रथम राष्ट्रीय कर्तव्य आहे,अशी अपेक्षा दारूबाज लोकांकडून ठेवणं हे मूर्खपणाचंच आहे, परंतु इतर सुज्ञ मंडळी इतकी बेजबाबदार कसे वागू  शकतात?

आजच्या युगात एखादी बातमी जंगलातील आगीसमान पसरते, असं असताना सुद्धा दारू घेणाऱ्या मंडळींचे फोटो, त्यांनी घेतलेल्या दारूच्या बिलाचे फोटो, लागलेल्या रांगांचे  फोटो फेसबुक आणि वॉट्सअँप वर पसरवणे  आमच्यातील काही सुज्ञ मंडळी सातत्याने करीत आहेत. त्यावर दारूबाज मंडळी कश्याप्रकारे अर्थव्यवस्था सुधारण्यासाठी मदत करत आहेत हे सांगणारे मेसेजेस सुद्धा चिकार आहेत.  असे सुज्ञ लोकं स्वतः प्रत्यक्ष दारूसाठी रांगेत लागून देशाचे नुकसान करीत नसले तरीदेखील, दारूबाज लोकांइतकेच ते देखील दोषी आहेत. फरक इतकाच कि, दारू पिणारी व्यक्ती हि शरीराने व्यसनाधीन असते म्हणून  जीवावर उदार होऊन दारू विकत घेते आणि इतर बुद्धिजीवी लोकं बौद्धिक आणि मानसिक व्यसनाधीन झालेले आहेत म्हणून व्यसनाधीनतेला प्रतिष्ठा देण्याचे कार्य करत असतात. 

मला आठवतं, फक्त १५-२० वर्षांपूर्वीपर्यंत दारू पिणाऱ्या व्यक्तीला समाजाचा थोडा का होईना, पण धाक वाटायचा. आपल्याला कुणी दारू विकत घेताना बघू नये , घरात थोरा  मोठयांनां समजू नये  याची काळजी असे लोक घ्यायचे आणि समाज देखील व्यसनं करणाऱ्या व्यक्तीकडे टाकाऊ नजरेनेच बघायचा.  एखाद्या घरात दारू पिऊन नवरा बायकोला,मुलांना  मारत असल्याचे समजताच  समाजातीळ मंडळींनीं धाक निर्माण केल्यावर अशी प्रकरणं काही अंशी थांबायची. पण  दुर्दैवाने आज अशी परिस्थिती नाही. 

आज दारू, तत्सम इतर व्यसनं आणि अश्या व्यसनांना अधीन लोकांना  समाजात प्रतिष्ठा प्राप्त झाली आहे. आजकाल सिनेमांमध्ये, टीव्हीवर, लग्नसमारंभात, छोटेखानी कार्यक्रमात, ऑफिसच्या कार्यक्रमात  दारूचा सर्रास वापर आपण बघत आहोत.  पार्टी म्हंटली कि दारूशिवाय होऊच शकत नाही असं झालंय अलीकडे. दारू पिणारा मुलगा हा ऑल राऊंडर आणि दारू नं  पिणारा भेकाड असे काहीसे चित्रं समाजात  काही लोक पसरवत असतात. त्यामुळे अनेक  तरुण मंडळी स्वतःचे अस्तित्व सिद्ध करायला सुद्धा अनेकदा दारूच्या आहारी जाण्याचे पाऊल उचलत आहेत. 

मागील ३ दिवसात व्यसनाधीनतेचा जो विद्रुप चेहरा आपण बघितला तो फक्त सिनेमाचा एक ट्रेलर आहे. खरा चेहरा म्हणजे आपल्या भारतीय समाजाचे होणारे नैतिक खच्चीकरण.  अश्याच व्यसनी लोकांनी आधी दिल्लीत आणि नंतर हैद्राबादेत केलेले बलात्कार समाज सोईस्कर पणे विसरला.  व्यसनाधीन लोकांनी केले अनेक अपराध देखील आजकाल समाज अश्याच पद्धतीने दुर्लक्षित करताना आपल्याला दिसेल. कारण अश्या परिस्थितीला सामोरे जायला आपल्यात नैतिकतेचे बळ असावे लागते आणि समाज तेच हरवायला निघाला आहे. 

मराठी कुटुंब तसं साधं मध्यमवर्गीय आयुष्य जगणारं असायचं, त्यात चंगळ  म्हंटली कि दोन चार मित्र आणि नातेवाईक जमून जेवणाचे बेत आणि नंतर काही गोडधोड असायचे. पण आता मात्र परिस्थिती वेगळी आहे, बाबा घरातील सगळ्यांना सोबत बसवून आनंदाने दारू घेतात असं मुलं गर्वाने सांगू लागलीत. घरातील स्त्रियांना देखील दारू असल्याशिवाय पार्टी होतंच नाही असे वाटायला लागले आहे. म्हणूनच तर श्रीमंत बाजीराव पेशव्यांना एखाद्या व्यसनाधीन देवदासाप्रमाणे आपले मराठी लोकं हिंदी सिनेमात आवडीने बघतात.  श्रीमंत बाजीरावांचे चरित्र मुलांना सांगायला आई वडील तरी आधी शुद्धीत असायला हवे ना. म्हणूनच छत्रपती शिवाजी, श्रीमंत बाजीराव, अब्दुल कलाम हि मंडळी या मातीला अपवाद आहेत आणि दारू पिणारे देवदास इथला नैसर्गिक पायंडा होत चालला आहे. 

आपल्या पैश्याने कोणी काय करावे हा ज्याचा त्याचा प्रश्न आहे, दारू पिऊ नये हे सांगणारा मी कोणी नाही. परंतु देशावर इतकं  मोठं संकट असताना आपण देशाचे देणं लागतो आणि त्याचा कर्तव्याबोध ठेऊन आपण आचरण केलं तर आपल्या परिवाराचं आणि समाजाचं भलंच होईल.  घरातील लहान मंडळी आपले आई वडील, मोठी मंडळी कसे वागतात त्याचे अवलोकन बारकाईने करत असतात. या संकटकाळी आपण योग्य ते वागून लहान मंडळींसमोर सुद्धा एक आदर्श मांडू शकतो. 

जो पर्यंत हे संकट आपल्या देशावरून जात नाही तो पर्यंत तरी किमान आपण अश्या बेजबाबदार दारूबाज लोकांप्रमाणे वागणार नाही आणि त्यांच्या कृतीला समर्थन देणारे आणि सर्व डॉक्टर्स, पोलीस दलातील कर्मचारी, इतर सर्व कार्यकर्ता मंडळींचे मनोधैर्य कमी करणारे मेसेजेस पसरवणार नाही याची काळजी घेऊया.

आपण जरी कुठल्याही व्यसनाला शरीराने बळी पडलो  नसलो तरी बौद्धिक आणि मानसिक व्यसनाधीन  होणार नाही याची काळजी घेणे सुद्धा आपलेच कर्तव्य आहे. 

II अवधूत चिंतन श्रीगुरुदेवदत्त II