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নিজস্ব স্বভাব-বৈশিষ্ট্যের মধ্যেই বেহিসাবিয়ানার বহু মানুষ আছে

নজরুল ইসলাম তোফা::

 

ধন সম্পদ গড়ে তুলতে দরকার হিসেবি মানসিকতা। যা ইনকাম করছেন বা কামাচ্ছেন তার সবটুকু খরচের চিন্তা না করে তাকেই ‘পরিবার তথা অর্থনৈতিক’ লক্ষ্য অর্জনে কাজে লাগানোর চিন্তা ভাবনার প্রয়োজন। দেখা যায় বেশির ভাগ মানুষই প্রয়োজন মাফিক খরচ করে। আর বাকি অর্থ জমায়। টাকা পয়সা এবং ধন-সম্পদ এমনিতেই জমালে চলবেনা। উন্নতির একটি লক্ষ্য নির্ধারণ করতে হবে।

লক্ষ্য নির্ধারণ করে পরিকল্পনা প্রণয়ন করতেই হবে। প্রাথমিক অবস্থায় কিছু সমস্যা হলেও হিসেবের জায়গাতে ক্ষতি মনে করা যাবে না। হিসাবে আপনি অভস্ত হয়ে উঠতে পারলে তাড়াতাড়ি উপার্জন করছেন, যদি আপনি অবসরের জন্যে এখনো সঞ্চয় করা শুরু করেননি। এমনটা হলে অবশ্যই বোঝা যাবে আপনার সঞ্চয়ের কোনো সুযোগ নাই।

আপনার যা জমানো অর্থ সব বেহিসাবী মতোই যেন খরচ করে ফেলছেন। এরজন্য যেখানেই কর্মরত এবং যে প্রতিষ্ঠানে চাকরি করেন সেখানে প্রোভিডেন্ট ফান্ডে সঞ্চয় করুন। সবচেয়ে ভালো হলো হিসাব করেই উপার্জন মাত্রই এমন কাজটি শুরু করুন।আসলে সেদিকে এ আলোচনা নয় কথা হলো যে বেহিসাবি মানুষ কারা কিংবা তাদেরকে চেতনার উপায় নির্ণয় করা উচিত।

দৈনন্দিন মানুষের জীবনের জন্যেই অত্যাবশ্যক চাহিদা পুরণেই যে মন ব্যস্ত তা হলো হিসেবি মন। এ জীবন পরিক্রমায় নিত্যদিনের হিসাব মেলাতে গিয়েই এ ধরনের মন মানসিকতা বাঁধা পড়ে যেন ছক বাঁধা বাধ্যবাধকতা মধ্যে। ফলে সেই জীবনে থাকে না স্বচ্ছন্দে বিচরণের স্বাধীনতা। আপনার নিজ সহজাত যৌক্তিক মনটাকে কাজে লাগান।

দামি গেজেট না কিনে নিত্যদিনের কাজ চলতেই যা যা দরকার তা কেনা কিংবা ভাবার কথা চিন্তা করুন। এতে অর্থ সাশ্রয় হবে। আর কাজটি যেন আটকেও থাকবে না। অর্থ ব্যবস্থাপনাতে নিজের সিদ্ধান্ত মতো চলতে পারবেন। নিজস্ব যেকোনো চিন্তা আদর্শের হলেই কৌশলগুলো খুব কার্যকর হয়। অপ্রয়োজনীয় কাজে অতিরিক্ত ব্যয় কিংবা বেহিসাবি মনে কখনোই চলবেন না।

জানা দরকার, বেহিসাবি মানুষরা বাধ্যবাধকতার গন্ডিতে আবদ্ধ থাকতে চায় না। সে মানুষরা যেন স্বভাব- বৈশিষ্ট্য দেখলেই চেনাা যায় বা মোটা মুটি তারা একই রকমের আচরণের। এদের না থাকে স্বাধীনতা, না বুঝা যায় এদের বিচিত্র মন ও সেই মনের খেয়ালের স্বরূপ। আর সেই মানুষ হিসাবি মনের চেয়ে বেহিসাবি স্বভাব-বৈশিষ্ট্য একেবারেই হয় আলাদা। মানুুষের এ বেহিসাবিয়ানার মধ্যেই খোঁজে পাওয়া যায় দৈনন্দিন নেতিবাচক স্বভাব-বৈশিষ্ট্যকে। সংসারের ছক বাঁধা জীবনটা এদের আকর্ষণ করে না। এই মানুষদেরই কেউ বা কেউ একতারা হাতে পথে-প্রান্তরে ছুটে যাওয়ার চেষ্টা করে।

সংসার-বিরাগী উদাসী বাউলও হয়ে যান। আবার কেউ নিজ অর্থ-সম্পদ উজাড় করে দেয় মানবকল্যাণে। এমন মানুষগুলো স্বভাবেই কৃপণ হয় না, আত্ম স্বার্থপর নন। আবার কেউ বা কেউ যদি নিছক বিলাসিতায় গা ভাসিয়ে দেওয়া জন্য বাজে বাজে খরচে- ধন-সম্পদ উজাড় করে দেন তবে তাতে আবার প্রকাশ পায় উচ্ছৃঙ্খলতা।

সুতরাং দেখাও যায় সৌন্দর্য পিপাসু, সংস্কৃতিবান মানুষেরা অভাব-অনটনের মধ্যেই যেন বেহিসাবি খরচ করে দেশ ভ্রমণ করে, পুস্তক কেনায় কিংবা ভালো লাগা ছবি ও পুরাকীর্তি সংগ্রহের জন্যেও উপার্জিত অর্থ বেহিসাবি ভাবেই খরচে নষ্ট করে। বস্তুত বেহিসাবি খরচের মধ্যেই যেন এই মানুষের মানসিকতার পরিচয় স্পট হয়ে উঠে। ফুটে উঠে তার ব্যক্তিগত মানব প্রবণতা, তার ঝোঁক কিংবা তাদের স্বাতেন্ত্র্যর যথার্থ পরিচয়।

সুতরাং- মানুষ অপব্যয় করে নিজ খেয়ালেই, কোনো বাঁধা ধরা নিয়মের অনুসারী হয় না। দৈনন্দিন প্রয়োজনীয় যার যা খরচের চেয়ে বাজে খরচেই মনোনিবেশ করে। এ স্বভাবের মানুষকে দেখলেই চেনা যায়।

বলতে চাই তা হলো এই, অনেক মানুষের মধ্যেই সঞ্চয়ের গুণটি নেই তা বলবো না। অবশ্যই দেখা যায় তারা সঞ্চয়ী। কিন্তু তারা আবার যেন হিসাব রাখেন না যে টাকা কোথা থেকে আসছে আবার কোথায় যাচ্ছে। লক্ষ্যে পৌঁছাতেই হলে আপনার কী করতে হবে সে বিষয়ে প্রায়ই উদাসীনতা বহু জনের দেখা যায়। খরচের সঠিক হিসাব অনেক সময়ই থাকে না তাদের কাছে। আসলেই অর্থের আসা-যাওয়ার হিসাবটা স্পষ্ট থাকতে বেহিসাবি স্বভাবটা আস্তে আস্ত দূর হবে। নয়তো বেহিসাবি হয়ে যাবেন।

মানুষদের আয় বৃদ্ধি হলে, আবশ্যই সেই ধরনের বেহিসেবি মানুষের চিন্তা ধারারও পরিবর্তন হবে।এটি সবচেয়ে ভালো সমাধান। অর্থ সঞ্চয় বৃদ্ধির চেয়ে যেন আয় বৃদ্ধি ভালো সমাধান বয়ে আনে। আবার আয় বাড়লে সে মানুষের অর্থ ব্যবস্থাপনা অনেক সহজ হয়ে আসে। সঞ্চয়ও বাড়ে তাছাড়া জীবন যাপনও উন্নত হতে পারে।

তাই- বেহিসাবি স্বভাব দূর করে যে অর্থ সঞ্চয় করবেন। সেটাকে কাজে লাগিয়েই নিজস্ব আয় বৃদ্ধি করা অবশ্যই সম্ভব। তবে বিনিয়োগে সাবধান হতে হবে। বাজে খরচের দিকে মনোনিবেশ না করে সেই মনটাকে অবশ্যই হিসেবে মধ্যেই আনা প্রয়োজন।

লেখকঃ
নজরুল ইসলাম তোফা, টিভি ও মঞ্চ অভিনেতা, চিত্রশিল্পী, সাংবাদিক, কলামিষ্ট এবং প্রভাষক।

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সিএন নিউজ ডেস্ক: রাজধানীসহ দেশের বিভিন্ন স্থানে ভূকম্পন অনুভূত হয়েছে। শুক্রবার (২৬ নভেম্বর) ভোর ৫টা …

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