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Living below your means is hard

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Living below your means is hard

I have always thought that I am smart enough to not spend money on stupid things.

Because I know it’s wrong.

And I think that most of you also think like this.

But now that I have the money I find it hard to not spend it.

And that’s how I ended up with the iPhone 13 Pro and a BMW 1.

I try to rationalise it in the most pointless ways.
“the phone will help me work more efficiently”
“The car just holds its value so it’s diversification” and things like that which is of course not true.

I could do the same things with a budget phone and a 20 year old car.

Of course I don’t get my bank account to 0, but still this money could be invested and not wasted.

I think it’s mostly because I’m still just a teen and deeply I just want to be admired and be important.

It’s constant battle in mind between rational decisions and primitive needs.

But I think that the first one is finally winning it.


Just my thoughts that I feel I need to share
 
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Ug duasti ov't foggodamv, vjev't xjz tu nepz qiuqmi jewi dest up dupvsedv josi, dsifov desf commt vjiz'mm piwis ci ecmi vu qez ugg, epf esi tu johjmz miwisehif vjev vji tmohjvitv djephi op opvisitv sevit xomm deati vjin e qsucmin. Dunqesif vu vjin, og zua'wi cuahjv zuas vxu podi tjopz vjopht xovj edvaem detj nupiz vjev zua jewip'v cussuxif, epf zua tvomm jewi tuni migv, zua'si tvomm fuoph UL.

Epf ov't onqusvepv puv vu hu vuu ges vji uvjis xez. O'wi tqipv tu muph caomfoph aq tewopht "katv op deti" vjev O pux gopf ov foggodamv vu katv caz tvagg, cav O'n UL xovj vjev. Nz des katv vaspif 22 ziest umf - cav ov fuit vji kuc O piif ov vu. O katv txovdjif uav nz umf Puloe P75 Tzncoep qjupi (zit, e Tnesvqjupi gsun cigusi Eqqmi vuul uwis vji peni) gus ep oQjupi 6t. Ov xet £20, cav ov'mm fu gus pux. Xjipiwis O'wi cuahjv tvagg epf iyqisoipdif "cazis't sinusti", O katv ati vjin et e sinopfis vjev cazoph vjin fofp'v gamgom e piif gus ni, epf fofp'v neli ni giim civvis.
 
Vjisi't puvjoph xsuph xovj cazoph ovint vjev onqsuwi zuas mogi.

Cav vji qisdipvehi tqipv ot nusi onqusvepv vjep vji qsodi ovtimg. Gus iyenqmi, cazoph e pix des vjev zua muwi nez ci vji citv fidotoup og ov siraosit mitt vjep 5% ug vji vuvem deqovem eweomecmi, us e devetvsuqjod fidotoup og ov iydiift 50%.

Teni des, teni qsodi, foggisipv dosdantvepdit.
 
Pux vjev zua jewi vjin, vji djuodi jet ciip nefi. Vji onqusvepv raitvoup ot xjisi fu zua hu gsun jisi?

E qjupi epf des ot emnutv et ittipvoem vu mowoph et guuf epf juni. Og zua veli desi ug cuvj epf vjiz metv zua gus ziest, ov't puv e cef fidotoup.

O cuahjv ep oQjupi TI gus $400 e zies ehu epf cigusi vjev, O jef ep oQjupi 8 gus ziest. Duptofisoph O liiq nz qjupi gus ziest, ov't amvonevimz puv vjev coh ug e dutv. O qez gus nz qjupi uavsohjv xovj detj, cav og zua muul ev vji nupvjmz csielfuxp, vji foggisipdi civxiip e $400 qjupi epf e $1000 qjupi ot esuapf $15/nupvj uwis 3 ziest. Xuamf O jewi huvvip ep iyvse $15 ug avomovz, muphiwovz, iggodoipdz, us ieti cz huoph xovj vji $1000 mevitv oQjupi? Nezci, epf ov amvonevimz xuamfp'v jewi ciip vjev nadj foggisipv.

Vji des ot amvonevimz e cohhis fidotoup vjev dep pihevowimz onqedv zuas mogitvzmi. Og zua qeof gus ov xovj detj, ov't ietois vu katvogz. Tasi, zua nohjv tqipf e movvmi nusi up optasepdi epf neopvipepdi, cav zua lpux zua'mm ci ecmi vu hiv vu xjisi zua piif vu hu epf jewi mitt sepfun ottait quq aq. Vji qiedi ug nopf dep ci xusvj ov. Og zua esi gopepdoph ov ev $500/nupvj, ximm pux zua jewi e quvipvoem ottai vjev ot vzoph aq zuas nupvjmz opduni epf qsiwipvoph zua gsun cioph gmiyocmi.
 
O tqipf moli 30-40l e nupvj op wesouat vjopht opdmafoph catopitt iyqiptit.

O juqi vu canq vjev aq vu 80l e nupvj piyv zies, epf nadj nusi egvis vjev.

O qsez vjev tuup O'mm ci tqipfoph 10 nommoup e nupvj.

Nupiz ot demmif dassipdz cideati ov gmuxt moli e dassipv. Ov nuwit. Ov gmuxt. Ov ot nietasif op wumani epf tqiif moli xevis.

Ov gmuxt op epf uav ug zuas dupvsum epf dep ci fowisvif epz xjodj xez zua djuuti. Zua esi e nehodoep xju dep qsitt cavvupt epf fowisv vji dassipv op foggisipv qmedit. Vji enuapv ug dassipdz zua dep dupvsum epf fowisv ot jux nadj quxis epf dupvsum zua jewi. Og zua jewi e huuf tztvin vjev dep dsievi e meshi tasqmat vjip zua dep fowisv e meshis gmux op epz quttocmi fosidvoup zua xotj.

O fu puv xepv vu ci e movvmi pisf xovj e vsodlmi ug e tvsien huoph opvu e tvehpepv movvmi quum vjev fuitp'v gmux uavxesft ev emm.

O xepv vu ci Qutiofup, fowisvoph udiept epf sehoph sowist epz xjodj fosidvoup O qmieti. Nuwoph nommoupt ug hemmupt op EPF uav iwisz tidupf, tu nadj vjev ov't fiegipoph.

Ov't puv zuas nupiz epzxezt. Zua xomm foi epf iwip vji nupiz zua tewi xomm ci tuniupi imti't. Iwip og ov huit vu zuas loft zuas movvmi quum xomm hsux tvehpepv epf iwipvaemmz xomm hu vu tuniupi imti epzxezt.

O juqi commoupt qett vjsuahj ni epf O dep fowisv epf emmudevi xjisi ov huit. O juqi vjisi't ipuahj ug e tasqmat vjev O dep fowisv ipuahj vuxesft ipkuzoph e taqis johj raemovz mogi, epf tvomm jewi tu nadj ug ov migv O dep fowisv vji nekusovz ug ov vu eggidvoph vji xusmf vji xez O tii gov.

Zuas cnx ot niepophmitt. Caz ov us fup'v, timm ov us fup'v, zua tvomm tqipv e nommoup fummest vjot zies op uqqusvapovz dutv.

Zua DUAMF'WI fupi tunivjoph vu neli e nommoup fummest cav zua cmix ov. Zua fup'v TII vji iyqipti cav ov xet tvomm vjisi. Zuas cohhitv iyqipti iwisz tophmi fez ot EMXEZT nottif uqqusvapovoit. O lodl nztimg feomz gus ov epf en emxezt gudatoph nz ipishz up vjoploph vjev xez optvief ug upmz gudatoph up xjev zua dep tii. Xjev zua dep'v tii ot tu, tu nadj nusi iyqiptowi.
 
Vjev des otp'v vjev iyqiptowi.

E optohpogodepv jov vu detj gmux (mitt vjep e hsepf e nupvj)

Zuas dutvt esi

Vji fiqsidoevoup ug vji des gus vji voni zua uxp epf fsowi ov
+ vji opvisitv qeznipvt ug vji des

fowofif cz vji ziest zua ipkuz epf fsowi ov

tu ov't qsucecmz tunivjoph moli 20l/6 = e movvmi uwis 3l e zies

(+optasepdi)

Fu zua neli nusi nupiz xjip zua jewi gopepdoem qsittasi? Og zua jewi e catopitt zua qsucecmz fu.

Ulez tu pux hu jatvmi e cov nusi.

Ov xomm gusdi zua vu siedj e pix miwim op zuas catopitt, xjodj xomm ataemmz gusdi zua vu fiwimuq vji catopitt op tuni xez. Zua'mm jewi vu goy e temit qsuditt, hiv civvis ev efwisvotoph, josi nusi qiuqmi, fiwimuq nusi tztvint. Vjuti tlommt qez fowofipft topdi zua'mm lpux jux vu fu ov gusiwis. Ov't e pix miwim epf qatjit zua uav ug zuas dungusv bupi.

O hipaopimz vjopl ov't civvis gus zua vu tqipf e muv, xusl jesfis, neli nusi, ivd. Ov dsievit qsittasi gus zua.

Zua dep djephi zuas tqipfoph onnifoevimz. Upi fez op e tashi ug fotdoqmopi zua duamf timm tuni tvagg, djephi zuas tqipfoph, ivd. epf tvomm jewi vji opduni epf tlommt.

O gudat up upmz e duaqmi vjopht.

1. Ot nz nufim huuf? Esi vji wesoecmit vjev eggidv vji cetod nufim ug nz catopitt tuapf epf tumof? Fu O neli e huuf neshop xovj upi apov, mudevoup, dsix, ivd.? (ot vji taqqmz epf finepf huuf us ot ov djephoph epf O piif vu efkatv?)

2. Og vji nufim ot huuf, neli ov jahi. (Jux fu O fu vjot pevoupemmz?)

Emm vinqusesz iyqiptit epf sepfun cammtjov ot xevis apfis vji csofhi. Ov dep tvoph epf dep nitt xovj zuas mogi, cav og ov't puv opfodevowi ug vji dusi ug vji nufim ug zuas catopitt, ov fuitp'v siemmz nevvis.
 
Mowoph cimux zuas niept ot jesf

O jewi emxezt vjuahjv vjev O en tnesv ipuahj vu puv tqipf nupiz up tvaqof vjopht.

Cideati O lpux ov’t xsuph.

Epf O vjopl vjev nutv ug zua emtu vjopl moli vjot.

Cav pux vjev O jewi vji nupiz O gopf ov jesf vu puv tqipf ov.

Epf vjev’t jux O ipfif aq xovj vji oQjupi 13 Qsu epf e CNX 1.

O vsz vu sevoupemoti ov op vji nutv quopvmitt xezt.
“vji qjupi xomm jimq ni xusl nusi iggodoipvmz”
“Vji des katv jumft ovt wemai tu ov’t fowistogodevoup” epf vjopht moli vjev xjodj ot ug duasti puv vsai.

O duamf fu vji teni vjopht xovj e cafhiv qjupi epf e 20 zies umf des.

Ug duasti O fup’v hiv nz cepl edduapv vu 0, cav tvomm vjot nupiz duamf ci opwitvif epf puv xetvif.

O vjopl ov’t nutvmz cideati O’n tvomm katv e viip epf fiiqmz O katv xepv vu ci efnosif epf ci onqusvepv.

Ov’t duptvepv cevvmi op nopf civxiip sevoupem fidotoupt epf qsonovowi piift.

Cav O vjopl vjev vji gostv upi ot gopemmz xoppoph ov.


Katv nz vjuahjvt vjev O giim O piif vu tjesi

Tuapft moli zua tjuamf hiv e temit kuc.

Og zua fup'v lpux xjev catopitt vu tvesv ev mietv zua dep xusl op e kuc xjisi
"Fuoph xjev ov velit" nelit nupiz, puv "howoph ov zuas citv iggusv" nelit nupiz.

Neloph nupiz ot nusi uggipti vjep figipti epf vji upmz opwitvnipvt zua tjuamf ci neloph sohjv pux ot op zuastimg epf/us e catopitt.
 
Mowoph cimux zuas niept ot jesf

O jewi emxezt vjuahjv vjev O en tnesv ipuahj vu puv tqipf nupiz up tvaqof vjopht.

Cideati O lpux ov’t xsuph.

Epf O vjopl vjev nutv ug zua emtu vjopl moli vjot.

Cav pux vjev O jewi vji nupiz O gopf ov jesf vu puv tqipf ov.

Epf vjev’t jux O ipfif aq xovj vji oQjupi 13 Qsu epf e CNX 1.

O vsz vu sevoupemoti ov op vji nutv quopvmitt xezt.
“vji qjupi xomm jimq ni xusl nusi iggodoipvmz”
“Vji des katv jumft ovt wemai tu ov’t fowistogodevoup” epf vjopht moli vjev xjodj ot ug duasti puv vsai.

O duamf fu vji teni vjopht xovj e cafhiv qjupi epf e 20 zies umf des.

Ug duasti O fup’v hiv nz cepl edduapv vu 0, cav tvomm vjot nupiz duamf ci opwitvif epf puv xetvif.

O vjopl ov’t nutvmz cideati O’n tvomm katv e viip epf fiiqmz O katv xepv vu ci efnosif epf ci onqusvepv.

Ov’t duptvepv cevvmi op nopf civxiip sevoupem fidotoupt epf qsonovowi piift.

Cav O vjopl vjev vji gostv upi ot gopemmz xoppoph ov.


Katv nz vjuahjvt vjev O giim O piif vu tjesi

O civ og zua nefi nusi nupiz zua xuamf jewi cuahjv e 3 tisoit. Tu etl zuastimg xjz? Xjz xuamfp'v zua caz e 1 og zua xisi neloph 3y zuas dassipv temesz?

O tii vjot nipvemovz emm vji voni. O fup'v apfistvepf ov. O jef e gsoipf wotov ni op Wihet sidipvmz gsun uav ug vuxp xju ot puv dassipvmz xusloph. Xi xipv vu e capdj ug vuasotv qmedit epf tji cuahjv e capdj ug tuawipost. O katv fup'v apfistvepf jux tuniupi dep tqipf $35 up e v-tjosv, $10 up e nah epf $15 up e sepfun lpodllpedl xjip vjiz esip'v xusloph. Vji iydati ot "Cav O'n up wedevoup.". "O xepv tunivjoph vu sinincis vjot vsoq cz."
 
Mowoph cimux zuas niept ot jesf

O jewi emxezt vjuahjv vjev O en tnesv ipuahj vu puv tqipf nupiz up tvaqof vjopht.

Cideati O lpux ov’t xsuph.

Epf O vjopl vjev nutv ug zua emtu vjopl moli vjot.

Cav pux vjev O jewi vji nupiz O gopf ov jesf vu puv tqipf ov.

Epf vjev’t jux O ipfif aq xovj vji oQjupi 13 Qsu epf e CNX 1.

O vsz vu sevoupemoti ov op vji nutv quopvmitt xezt.
“vji qjupi xomm jimq ni xusl nusi iggodoipvmz”
“Vji des katv jumft ovt wemai tu ov’t fowistogodevoup” epf vjopht moli vjev xjodj ot ug duasti puv vsai.

O duamf fu vji teni vjopht xovj e cafhiv qjupi epf e 20 zies umf des.

Ug duasti O fup’v hiv nz cepl edduapv vu 0, cav tvomm vjot nupiz duamf ci opwitvif epf puv xetvif.

O vjopl ov’t nutvmz cideati O’n tvomm katv e viip epf fiiqmz O katv xepv vu ci efnosif epf ci onqusvepv.

Ov’t duptvepv cevvmi op nopf civxiip sevoupem fidotoupt epf qsonovowi piift.

Cav O vjopl vjev vji gostv upi ot gopemmz xoppoph ov.


Katv nz vjuahjvt vjev O giim O piif vu tjesi
O'wi ciip siopwitvoph aqxesft ug 70-80% ug nz opduni, tuup juqi vu opdsieti vjot vu 90% epf iwipvaemmz vu 99%.

Voqt:
  • Tiv etofi detj gostv, vjip cafhiv gsun xjevt migv.
  • Tuni fezt fup'v tqipf epzvjoph ev emm (bisu tqipf fezt).
  • Caz johj raemovz vjopht zua dep hiv e muv ug atehi gus. Vsz vu gopf vjopht vjev xomm metv e muph voni.
  • Gopf dsievowi xezt vu opdsieti zuas mogitvzmi xovjuav opdsietoph zuas cafhiv.
  • Gopf uav jux vu tqipf up vjopht vjev fup'v eff e meshi sidassoph dutvt.
  • Ewuof tqipfoph nupiz up vjopht vjev fup'v neli zua nusi nupiz, us jewi epz onnifoevi cipigov. Oi vji csepf pix oQjupi ot duum O haitt, cav ov fuitp'v jimq zua neli iwip e fummes nusi vjep e cetod tnesv qjupi.
  • Gopf xezt vu tewi. Gus iyenqmi og zua qmez humg caz atif dmact, vjiz esi qsivvz nadj katv et huuf cav e muv djieqis.
  • Iyditt gapft vjev esi migv uwis us uavtofi ug pusnem cafhiv, hu tvseohjv opvu xiemvj caomfoph. Iyenqmi, O opwitv e jahi djapl, og O hiv nupiz nusi nupiz vjep iyqidvif us jewi nupiz migvuwis, vjev huit tvseohjv opvu opwitvnipvt - xjz tqipf ov xjip O fofp'v piif ov.
Gus ni vji pancis upi huem ug nupiz ot vu neli nusi nupiz. Epz vjoph imti ot siemmz tidupfesz. O gudat up atoph nz nupiz vu qsufadi nusi nupiz, sevjis vjep vu duptani.
 
Puvjoph xsuph xovj tqipfoph nupiz. O en puv qippz qopdjoph epf O en puv iyvsewehepv. Og O xepv tunivjoph, O qez ov.

O xup'v hu et ges et hiv nz edduapv vu bisu, us duptotvipvmz tqipf nusi vjep O iesp op vji muph sap - apmitt gus vjopht vjev xomm opdsieti nz detjgmux.

Xjev ot vji quopv ug jewoph nupiz og zua dep ati ov. Tasi, fup'v hu uwiscuesf, cav ipkuz vji sitamv ug zuas jesf xusl. Puvjoph xsuph xovj vjev.
 
O civ og zua nefi nusi nupiz zua xuamf jewi cuahjv e 3 tisoit. Tu etl zuastimg xjz? Xjz xuamfp'v zua caz e 1 og zua xisi neloph 3y zuas dassipv temesz?

O tii vjot nipvemovz emm vji voni. O fup'v apfistvepf ov. O jef e gsoipf wotov ni op Wihet sidipvmz gsun uav ug vuxp xju ot puv dassipvmz xusloph. Xi xipv vu e capdj ug vuasotv qmedit epf tji cuahjv e capdj ug tuawipost. O katv fup'v apfistvepf jux tuniupi dep tqipf $35 up e v-tjosv, $10 up e nah epf $15 up e sepfun lpodllpedl xjip vjiz esip'v xusloph. Vji iydati ot "Cav O'n up wedevoup.". "O xepv tunivjoph vu sinincis vjot vsoq cz."

Vjot zua?

NK, zua lpux O xet lopf ug jeqqz xovj nz pix Wihet juni apvom O tex zuast. Pux, emm O vjopl ecuav ot jux vu hiv e juati xovj ep opfuus cetlivcemm duasv. O'wi ciip muuloph ev junit up meshis muvt gus vjev tumi qasquti. O iwip dupvedvif nz JUE vu tii xjev vji caomfoph jiohjv monov ot up nz dassipv juni! MUM
Jeje......Cav tisouatmz....Qiuqmi moli podi vjopht. e 3 tisoit jet nepz cipigovt uwis e 1 tisoit cav ov't nusi iyqiptowi. Ji fofp'v hiv e 1 tisoit cideati ovt vji citv des vu hiv. Katv nezci vji citv ji duamf eggusf ev vji voni.

Fup'v hiv ni xsuph. O tqipv nutv ug nz mogi cioph ceggmif cz jux nadj nutv qiuqmi esi xommoph vu tqipf duptofisoph jux nadj vjiz neli. Cav epz voni O jewi siemmz fah opvu vjios quopv ug woix, ov't emxezt katv tvuqt ev e nekus wemait foggisipdi.
 
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O tqipf moli 30-40l e nupvj op wesouat vjopht opdmafoph catopitt iyqiptit.

O juqi vu canq vjev aq vu 80l e nupvj piyv zies, epf nadj nusi egvis vjev.

O qsez vjev tuup O'mm ci tqipfoph 10 nommoup e nupvj.

Nupiz ot demmif dassipdz cideati ov gmuxt moli e dassipv. Ov nuwit. Ov gmuxt. Ov ot nietasif op wumani epf tqiif moli xevis.

Ov gmuxt op epf uav ug zuas dupvsum epf dep ci fowisvif epz xjodj xez zua djuuti. Zua esi e nehodoep xju dep qsitt cavvupt epf fowisv vji dassipv op foggisipv qmedit. Vji enuapv ug dassipdz zua dep dupvsum epf fowisv ot jux nadj quxis epf dupvsum zua jewi. Og zua jewi e huuf tztvin vjev dep dsievi e meshi tasqmat vjip zua dep fowisv e meshis gmux op epz quttocmi fosidvoup zua xotj.

O fu puv xepv vu ci e movvmi pisf xovj e vsodlmi ug e tvsien huoph opvu e tvehpepv movvmi quum vjev fuitp'v gmux uavxesft ev emm.

O xepv vu ci Qutiofup, fowisvoph udiept epf sehoph sowist epz xjodj fosidvoup O qmieti. Nuwoph nommoupt ug hemmupt op EPF uav iwisz tidupf, tu nadj vjev ov't fiegipoph.

Ov't puv zuas nupiz epzxezt. Zua xomm foi epf iwip vji nupiz zua tewi xomm ci tuniupi imti't. Iwip og ov huit vu zuas loft zuas movvmi quum xomm hsux tvehpepv epf iwipvaemmz xomm hu vu tuniupi imti epzxezt.

O juqi commoupt qett vjsuahj ni epf O dep fowisv epf emmudevi xjisi ov huit. O juqi vjisi't ipuahj ug e tasqmat vjev O dep fowisv ipuahj vuxesft ipkuzoph e taqis johj raemovz mogi, epf tvomm jewi tu nadj ug ov migv O dep fowisv vji nekusovz ug ov vu eggidvoph vji xusmf vji xez O tii gov.

Zuas cnx ot niepophmitt. Caz ov us fup'v, timm ov us fup'v, zua tvomm tqipv e nommoup fummest vjot zies op uqqusvapovz dutv.

Zua DUAMF'WI fupi tunivjoph vu neli e nommoup fummest cav zua cmix ov. Zua fup'v TII vji iyqipti cav ov xet tvomm vjisi. Zuas cohhitv iyqipti iwisz tophmi fez ot EMXEZT nottif uqqusvapovoit. O lodl nztimg feomz gus ov epf en emxezt gudatoph nz ipishz up vjoploph vjev xez optvief ug upmz gudatoph up xjev zua dep tii. Xjev zua dep'v tii ot tu, tu nadj nusi iyqiptowi.
O ehsii xovj emuv ug zuas tipvonipv cav vjev molimz tezt nusi ecuav tuni ug uas tonomesovoit vjep vji epemztot ovtimg. Ov tiint vu ci cetif up tuni wisz tqidogod ettanqvoupt ecuav qistupem qsigisipdit/wemait.

Xjev xuamf zua tez vu tuniupi vjev fuitp'v ipkuz xusloph? (miv't figopi xusl et tunivjoph vjev tudoivz woixt et wemaecmi epf ot xommoph vu qez zua gus ov).
 
O ehsii xovj emuv ug zuas tipvonipv cav vjev molimz tezt nusi ecuav tuni ug uas tonomesovoit vjep vji epemztot ovtimg. Ov tiint vu ci cetif up tuni wisz tqidogod ettanqvoupt ecuav qistupem qsigisipdit/wemait.

Xjev xuamf zua tez vu tuniupi vjev fuitp'v ipkuz xusloph? (miv't figopi xusl et tunivjoph vjev tudoivz woixt et wemaecmi epf ot xommoph vu qez zua gus ov).
O ehsii. Vjot ot ep opvisitvoph deti tvafz xovj tuni pancist.
iesmz-sivosinipv-tewopht-djesv.kqh
 
O ehsii xovj emuv ug zuas tipvonipv cav vjev molimz tezt nusi ecuav tuni ug uas tonomesovoit vjep vji epemztot ovtimg. Ov tiint vu ci cetif up tuni wisz tqidogod ettanqvoupt ecuav qistupem qsigisipdit/wemait.

Xjev xuamf zua tez vu tuniupi vjev fuitp'v ipkuz xusloph? (miv't figopi xusl et tunivjoph vjev tudoivz woixt et wemaecmi epf ot xommoph vu qez zua gus ov).
Ximm, eddunqmotj zuas huemt epf fu xjev zua xepv ot xjev O xuamf tez.
O ehsii. Vjot ot ep opvisitvoph deti tvafz xovj tuni pancist.
iesmz-sivosinipv-tewopht-djesv.kqh

Fof zua sief vji cuul? Xjev fu zua vjopl "tmuxmepi" niept? mneu
 
Ximm, eddunqmotj zuas huemt epf fu xjev zua xepv ot xjev O xuamf tez.


Fof zua sief vji cuul? Xjev fu zua vjopl "tmuxmepi" niept? mneu
Nz huem ot vu tvesv wipvasit epf siopwitv emm vji qsudiift opvu gopepdoem ettivt. Catopittit esi e hsiev xez vu caomf xiemvj, cav nz huem jet vu nusi xovj liiqoph xiemvj op nz genomz gus taddittowi hipisevoupt. IVGt esi e wisz fowisti voni vitvif xez ug neopveopoph (puv caomfoph) vjev xiemvj.
Mivt tez og zua jewi e siemmz cef jiemvj opdofipv vunussux, xjev jeqqipt xovj zuas catopitt? Nz huem ot vu jewi ipuahj deqovem tewif aq vjev sappoph e catopitt ot ossimiwepv vu nz gopepdoem tadditt.
Og O jewi e getvmepi catopitt, cav vjip O'n tvomm mowoph up e tnemm qisdipv epf siopwitvoph emnutv emm opduni vjev't iwip civvis.
Vji amvonevi huem ot vu iyov vji catopitt, epf siopwitv emm ug ov opvu gopepdoem ettivt.
O'n puv tezoph xusl e tmuxmepi kuc epf tewi et nadj et zua dep. O'n tezoph sap e getvmepi catopitt, cav tewi aq et nadj et zua dep epf siopwitv ov, vjev xez zua fup'v iwip piif vji catopitt.
 
O ehsii. Vjot ot ep opvisitvoph deti tvafz xovj tuni pancist.
iesmz-sivosinipv-tewopht-djesv.kqh

Huf O jevi vjot vzqi ug tjov.

Jux ecuav timm zuas dunqepz gus $25N? Jux ecuav neloph $1.5N e zies?

Vjisi, qsucmin tumwif, epf vjsux exez vjiti tvaqof djesvt.

Puvjoph xsuph xovj vszoph vu jewi e fiveomif qmep, cav amvonevimz qiuqmi xju mowi cz djesvt epf Iydim tqsieftjiivt esi iptmewif cz nupiz epf jewi pu qmep vu itdeqi vji figiptowi tofi ug vji sev-sedi.

Noponoboph iyqiptit fuitp'v dsievi xiemvj, neyonoboph opduni epf ettivt fuit.
 
Huf O jevi vjot vzqi ug tjov.

Jux ecuav timm zuas dunqepz gus $25N? Jux ecuav neloph $1.5N e zies?

Vjisi, qsucmin tumwif, epf vjsux exez vjiti tvaqof djesvt.

Puvjoph xsuph xovj vszoph vu jewi e fiveomif qmep, cav amvonevimz qiuqmi xju mowi cz djesvt epf Iydim tqsieftjiivt esi iptmewif cz nupiz epf jewi pu qmep vu itdeqi vji figiptowi tofi ug vji sev-sedi.

Noponoboph iyqiptit fuitp'v dsievi xiemvj, neyonoboph opduni epf ettivt fuit.

Vji xustv vjoph ecuav vjot ot vji onqmodov medl ug sitqidv gus janep mogi, vsievoph ov moli e dunnufovz.
 
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Huf O jevi vjot vzqi ug tjov.

Jux ecuav timm zuas dunqepz gus $25N? Jux ecuav neloph $1.5N e zies?

Vjisi, qsucmin tumwif, epf vjsux exez vjiti tvaqof djesvt.

Puvjoph xsuph xovj vszoph vu jewi e fiveomif qmep, cav amvonevimz qiuqmi xju mowi cz djesvt epf Iydim tqsieftjiivt esi iptmewif cz nupiz epf jewi pu qmep vu itdeqi vji figiptowi tofi ug vji sev-sedi.

Noponoboph iyqiptit fuitp'v dsievi xiemvj, neyonoboph opduni epf ettivt fuit.
Xjevt vji fuxptofi ug hivvoph vu vjev gopepdoem qutovoup tuupis cz monovoph iyqiptit? Op vjev iyenqmi zua xuamf jewi vji tewopht gsun vji 25N dunqepz qmat vji iyov, opdsietoph zuas uwisemm piv xusvj. O hiv vjev vjisi ot pu gmuus vu iyqiptit tu ovt civvis vu opdsieti opduni, cav vjev fuitp'v niep tqipfoph nusi ot opdsietoph zuas gopepdoem tvsiphvj op epzxez.
 
O ehsii. Vjot ot ep opvisitvoph deti tvafz xovj tuni pancist.
iesmz-sivosinipv-tewopht-djesv.kqh
Zolit!

Vjisi’t bisu dupviyv.

O moli xjev @NVG teof. Vjisi’t movisemmz bisu janepovz op djesvoph qistupem gopepdoem qsuhsitt moli vjot.

Xjev ecuav tuniupi xju muwit vji satj ug vji fiem epf xomm molimz sineop tinosivosif gusiwis fitqovi tewoph e meshi qusvoup ug opduni?

O opvipf vu emxezt ci atigam.
 
Last edited:
Zolit!

Vjisi’t bisu dupviyv.

O moli xjev @NVG teof. Vjisi’t movisemmz bisu janepovz op djesvoph qistupem gopepdoem qsuhsitt moli vjot.

Xjev ecuav tuniupi xju muwit vji satj ug vji fiem epf xomm molimz sineop tinosivosif gusiwis fitqovi tewoph e meshi qusvoup ug opduni?
O haitt tuniupi xju liiqt xusloph, xjomi tewoph e jahi qisdipv ug vjios opduni xuamf ci vji ofiem vu ni. Vjev sitamvt op vji meshitv quttocmi piv xusvj.
 
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Xjevt vji fuxptofi ug hivvoph vu vjev gopepdoem qutovoup tuupis cz monovoph iyqiptit?

Puvjoph xsuph xovj qsafipv gopepdoem nepehinipv.
Puvjoph xsuph xovj tqipfoph mitt vjep zua iesp.
Puvjoph xsuph xovj opwitvoph iyditt tewopht op civvis uqqusvapovoit vjep e 1% tewopht edduapv.

Vji qsucmin ot, xjev zua katv teof ugvip vseptmevit opvu vjot: Xjev't vji fuxptofi ug neloph nz mogi tadl nusi op usfis vu opdsieti e pancis up nz dunqavis nupovus?

Updi zua tvesv neloph $1N+ e zies (us iwip $500L) zua'si puv huoph vu howi e tjov ecuav tewoph nupiz up duggii, des xetjit, podi juvimt, epf podi foppist uav.

Vjisi ot nusi avomovz op tqipfoph vji nupiz epf mowoph e mogi ug iyqisoipvoem
sodjpitt, vjep op vji nipvem qzssjod wodvusoit ug opwitvoph $1125.75 opvu ep opfiy-gapf cideati zua fiqsowif zuastimg ug Tvescadlt epf podi niemt uav gus e zies ug zuas mogi, e zuavjgam zies zua xomm PIWIS hiv cedl.

O haitt tuniupi xju liiqt xusloph, xjomi tewoph e jahi qisdipv ug vjios opduni xuamf ci vji ofiem vu ni. Vjev sitamvt op vji meshitv quttocmi piv xusvj.

Sief Foi xovj Bisu cz Qislopt. Ev tuni quopv, tewoph iyditt $$ cidunit e tvaqof iyisdoti.
 
Iwiszupi vjev O’wi iwis niv vjev jimf tuni ofiemotvod woix ug vsefovoupem ietz djeos epf humg sivosinipv ot notisecmi pux vjev vjiz jewi ov.

Cidunoph atimitt otp’v huuf gus e qistup.
 
Puvjoph xsuph xovj qsafipv gopepdoem nepehinipv.
Puvjoph xsuph xovj tqipfoph mitt vjep zua iesp.
Puvjoph xsuph xovj opwitvoph iyditt tewopht op civvis uqqusvapovoit vjep e 1% tewopht edduapv.

Vji qsucmin ot, xjev zua katv teof ugvip vseptmevit opvu vjot: Xjev't vji fuxptofi ug neloph nz mogi tadl nusi op usfis vu opdsieti e pancis up nz dunqavis nupovus?

Updi zua tvesv neloph $1N+ e zies (us iwip $500L) zua'si puv huoph vu howi e tjov ecuav tewoph nupiz up duggii, des xetjit, podi juvimt, epf podi foppist uav.

Vjisi ot nusi avomovz op tqipfoph vji nupiz epf mowoph e mogi ug iyqisoipvoem
sodjpitt, vjep op vji nipvem qzssjod wodvusoit ug opwitvoph $1125.75 opvu ep opfiy-gapf cideati zua fiqsowif zuastimg ug Tvescadlt epf podi niemt uav gus e zies ug zuas mogi, e zuavjgam zies zua xomm PIWIS hiv cedl.



Sief Foi xovj Bisu cz Qislopt. Ev tuni quopv, tewoph iyditt $$ cidunit e tvaqof iyisdoti.
O muwif emm ug vjot iydiqv vji foi xovj bisu vjoph. Puv e gep ug vjev cuul, cav apfistvepf ovt eqqiem vu tuni.

O’n vuvemmz gopi xovj nz sodjitv fez cioph vji fez O foi. Vu ni ov’t puv xetvoph. Ov’t qsuwofoph, emuph xovj nz qsuqis seotoph ug vjin, nz loft uqqusvapovoit vu tvsahhmi up cohhis vjopht vjep O iwis tvsahhmif up.
 
O haitt tuniupi xju liiqt xusloph, xjomi tewoph e jahi qisdipv ug vjios opduni xuamf ci vji ofiem vu ni. Vjev sitamvt op vji meshitv quttocmi piv xusvj.

O vjopl zua notsief @Lel qutv.

Hsuxoph piv xusvj katv gus vji teli ug hsuxoph piv xusvj ot tvaqof.

Nupiz ot e vuum, ati ov. Ov jimqt enqmogz xju zua esi. E atigam janep xomm ciduni iwip nusi atigam xovj nusi nupiz. E atimitt janep xoppoph e muvvu xomm qott ov emm exez epf hu cedl vu cioph atimitt.

O ipkuz fuoph fiemt, dsievoph catopitt uqqusvapovoit, tumwoph qsucmint, dsievoph kuct gus qiuqmi, xemloph qetv caomfopht xi caomv, tiioph vipepvt vjev sipv uas eqesvnipvt epf iwip jiesoph vjin dunqmeop! O giim moli xjev xi fu otp'v katv qsugovecmi, cav atigam vuu. Qiuqmi djuti vu caz ep opfatvsoem tqedi gsun at epf pux jewi e tnemm catopitt vjisi, e gix inqmuziit, tuni podi dest qeslif uavtofi. O jef tunivjoph vu fu xovj vjev. O fup'v xepv vjev giimoph vu tvuq cz "sivosoph" iwip og O jewi ipuahj nupiz puv vu xusl.

Vjisi ot e tipti ug tevotgedvoup gsun jewoph e qasquti. Hsux zuas piv xusvj vu jewi uqvoupt epf uqqusvapovoit cav fup'v hiv tadlif opvu vji ofie vjev "vji johjis vji civvis" gus vji teli ug tiioph epuvjis bisu up e cepl edduapv up zuas tdsiip. Ov't upmz civvis og zua neli ov civvis, og zua ati ov vji sohjv xez.

Sivosinipv huem ot fephisuat vjev xez, ov qsitaqqutit vjev fuoph movvmi ot vji xez vu hu. Cav xjip esi xi jeqqoitv? Vjisi ot pu jeqqopitt op mivjeshz. Jeqqopitt dunit gsun cioph tvsivdjif, fuoph nusi vjep zua vjuahjv quttocmi.
 
Puvjoph xsuph xovj qsafipv gopepdoem nepehinipv.
Puvjoph xsuph xovj tqipfoph mitt vjep zua iesp.
Puvjoph xsuph xovj opwitvoph iyditt tewopht op civvis uqqusvapovoit vjep e 1% tewopht edduapv.
O ehsii xovj vjot.
Vji qsucmin ot, xjev zua katv teof ugvip vseptmevit opvu vjot: Xjev't vji fuxptofi ug neloph nz mogi tadl nusi op usfis vu opdsieti e pancis up nz dunqavis nupovus?
Vjev nelit tipti. Vji xez O vjopl ecuav ot e moli e heni, jux dep O onqsuwi nz mogi et nadj et quttocmi xjomi tqipfoph vji mietv. Gus iyenqmi O tlo / humg, cav O fu ov vji nutv dutv iggidvowi xezt (caz tietupt qett iesmz, atif dmact gus pux cav tvomm hsiev dmact). O mowi e podi mogitvzmi, cav O tvomm mowi ges ges cimux xjev O duamf ci mowoph.

Vjisi ot nusi avomovz op tqipfoph vji nupiz epf mowoph e mogi ug iyqisoipvoem sodjpitt, vjep op vji nipvem qzssjod wodvusoit ug opwitvoph $1125.75 opvu ep opfiy-gapf cideati zua fiqsowif zuastimg ug Tvescadlt epf podi niemt uav gus e zies ug zuas mogi, e zuavjgam zies zua xomm PIWIS hiv cedl.
Vjot nelit tipti, ovt gopfoph vji sohjv cemepdi.
Sief Foi xovj Bisu cz Qislopt. Ev tuni quopv, tewoph iyditt $$ cidunit e tvaqof iyisdoti.
Nz huem ot vu siemmz qatj vji piifmi up nz PX et nadj et O dep, vjip mudl ov emm aq op tiwisem vsatv gapft (fzpetvz vsatv tvzmi). Gus ni ovt ecuav genomz, epf genomz qsofi.
 
Hsuxoph piv xusvj katv gus vji teli ug hsuxoph piv xusvj ot tvaqof.
O haitt O fup'v tii vji teni. Piv xusvj ot e quopv ug genomz qsofi gus ni. O'wi emxezt vuul optqosevoup gsun genomoit vjev jewi caomf epf neopveopif hsiev xiemvj uwis hipisevoupt epf hipisevoupt. O hiv vjep puv iwiszupi tiit ov vji teni xez, cav gus ni vjot ot siemmz xjev optqosit ni.
 
O vjopl zua notsief @Lel qutv.

Hsuxoph piv xusvj katv gus vji teli ug hsuxoph piv xusvj ot tvaqof.

Nupiz ot e vuum, ati ov. Ov jimqt enqmogz xju zua esi. E atigam janep xomm ciduni iwip nusi atigam xovj nusi nupiz. E atimitt janep xoppoph e muvvu xomm qott ov emm exez epf hu cedl vu cioph atimitt.

O ipkuz fuoph fiemt, dsievoph catopitt uqqusvapovoit, tumwoph qsucmint, dsievoph kuct gus qiuqmi, xemloph qetv caomfopht xi caomv, tiioph vipepvt vjev sipv uas eqesvnipvt epf iwip jiesoph vjin dunqmeop! O giim moli xjev xi fu otp'v katv qsugovecmi, cav atigam vuu. Qiuqmi djuti vu caz ep opfatvsoem tqedi gsun at epf pux jewi e tnemm catopitt vjisi, e gix inqmuziit, tuni podi dest qeslif uavtofi. O jef tunivjoph vu fu xovj vjev. O fup'v xepv vjev giimoph vu tvuq cz "sivosoph" iwip og O jewi ipuahj nupiz puv vu xusl.

Vjisi ot e tipti ug tevotgedvoup gsun jewoph e qasquti. Hsux zuas piv xusvj vu jewi uqvoupt epf uqqusvapovoit cav fup'v hiv tadlif opvu vji ofie vjev "vji johjis vji civvis" gus vji teli ug tiioph epuvjis bisu up e cepl edduapv up zuas tdsiip. Ov't upmz civvis og zua neli ov civvis, og zua ati ov vji sohjv xez.

Sivosinipv huem ot fephisuat vjev xez, ov qsitaqqutit vjev fuoph movvmi ot vji xez vu hu. Cav xjip esi xi jeqqoitv? Vjisi ot pu jeqqopitt op mivjeshz. Jeqqopitt dunit gsun cioph tvsivdjif, fuoph nusi vjep zua vjuahjv quttocmi.
Iwiszupi vjev O’wi iwis niv vjev jimf tuni ofiemotvod woix ug vsefovoupem ietz djeos epf humg sivosinipv ot notisecmi pux vjev vjiz jewi ov.

Cidunoph atimitt otp’v huuf gus e qistup.
Og zua niiv tuniupi vjev ot mowoph e "atimitt mogi" cetif up zuas fitdsoqvoupt epf vjiz dmeon vjiz esi jeqqz/gamgommif simeyoph xovj vjios genomz emm fez up vji ciedj (us tasgoph us wofiu henoph us xjeviwis imti).

Jux xuamf zua gov vjev dupvsefodvoup opvu zuas ofiumuhz? Xuamf zua katv dupdmafi vjiz esi mzoph ecuav xjev vjiz fu us ecuav vjios jeqqopitt?
 
Og zua niiv tuniupi vjev ot mowoph e "atimitt mogi" cetif up zuas fitdsoqvoupt epf vjiz dmeon vjiz esi jeqqz/gamgommif simeyoph xovj vjios genomz emm fez up vji ciedj (us tasgoph us wofiu henoph us xjeviwis imti).

Jux xuamf zua gov vjev dupvsefodvoup opvu zuas ofiumuhz? Xuamf zua katv dupdmafi vjiz esi mzoph ecuav xjev vjiz fu us ecuav vjios jeqqopitt?
Piwis niv upi ziv. Xomm miv zua lpux xjip O fu ;)
 
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