Online Chat with Miss Loviya: Maine Loan Liya…Story
Mera naam Loviya hai. Log mujhe Miss Loviya bolte hain. Aaj main pehli baar woh poori kahani aapke saamne rakh rahi hoon jo maine saalon tak sirf diary mein likhi. Yeh kahani loan ki hai. Lekin asal mein yeh pressure expectations aur ek ordinary middle class ladki ke dil ki kahani hai.
Main Kabhi Bhool Nahi Paungi
Us time mera ghar Delhi NCR ke ek ordinary colony mein tha. Papa government job se retire ho chuke the. Mummy ghar sambhalti thi. Main private company mein kaam karti thi. Salary thi 38 hazar. Ek chhota sa 1BHK. Koi badi EMI nahi. Life simple thi. Lekin Indian middle class family mein simple kabhi enough nahi hota.
Papa har weekend kehte the beta ghar toh dekhna chahiye. Rent mein paisa ja raha hai. Apna ghar ho toh chain rahega. Mummy bolti thi shaadi ke baad kahan rahogi. Apna base hona chahiye. Main has deti thi. Papa abhi kya jaldi hai. Pehle career stable karun. Andar se pressure badhta ja raha tha. Relatives ke sawal. Cousins ke naye flat. Society ke log. Sab milke ek invisible load bana rahe the.
Meri Zindagi Badal Di
Ek din office mein meri close friend Neha ne kaha Loviya tu bhi soch le. Interest rates abhi theek hain. Personal loan leke down payment kar sakti hai. Main toh le chuki hoon. Maine casually kaha haan dekhte hain. Us raat main soyi nahi. Sochti rahi agar loan le liya toh. Agar EMI manage nahi hui toh. Agar job chali gayi toh.
Pehli Baar Main Kaise Fasi
Main bank gayi. Branch manager ne muskurate hue kaha maam aapki salary se 12 se 15 lakh ka personal loan easily mil sakta hai. Interest 11.5 percent. EMI around 28 se 30 hazar. Maine poocha agar job change karun ya kuch problem ho toh. Woh hans ke bole tension mat lo. Aajkal sab manage ho jata hai.
Main form bharne baithi. Signature karte waqt haath kamp rahe the. Manager ne kaha congrats in advance. Paisa 3 4 din mein account mein aa jayega. Ghar jaate time meri feeling strange thi. Khushi bhi thi darr bhi.
Ghar Par Jo Scene Hua Woh
Ghar pahunchte hi papa ko bataya. Unhone pehle toh khush hoke kaha bahut accha kiya. Ab ghar dekhte hain. Mummy ne chup chap meri taraf dekha. Raat ko unhone aake kaha Loviya tu sure hai. EMI ka pressure ladkiyon pe bohot heavy padta hai.
Shaadi ke time bhi problem ho sakti hai. Maine muskurake kaha mummy main sambhal lungi. Aap tension mat lo. Andar se main khud nahi sure thi.
Main Samajh Gayi Main Fasi Hui Hoon
15 lakh mere account mein aaye. Us din lag raha tha jaise main rich ban gayi. Neha ko call kiya yaar money aa gaya. Woh chillayi ab shopping. Flat dekhna. Humne kuch flats dekhe. Ek accha sa 2BHK pasand aa gaya. Booking kar di.
Phir reality shuru hui. Pehli EMI cut hui. Salary 38 hazar. EMI 29500. Hath mein bachta tha 8 9 hazar. Rent groceries travel phone bill sab manage karna padta tha. Pehle mahine toh theek tha. Doosre mahine mummy ke ilaj ka kharcha aa gaya. Teesre mahine office mein appraisal nahi hua. Chauthe mahine laptop kharab ho gaya.
Raat Raat Bhar Main Yeh Sochti
Main raat raat bhar sochti kaise manage karungi. Ek din papa ne kaha beta agar problem ho toh bata dena. Hum kuch arrange kar lenge. Maine jhooth bola nahi papa sab theek hai.
Chheh mahine baad main bohot change ho gayi thi. Office mein smile kam. Ghar pe chup. Friends ke saath plans cancel. Neha ne ek din seedha poocha Loviya tu theek hai na. Tu pehle jaisi nahi lag rahi. Maine thoda sa share kiya. Woh boli main bhi same phase mein thi. Loan lene ke baad lagta hai freedom mil gayi. Lekin asli mein bandhan ho jata hai.
Woh Raat Jab Main Royi
Us raat main royi. Diary mein likha maine socha tha loan se zindagi aage badhegi. Lekin lag raha hai main peeche chali gayi. Bank se kabhi kabhi reminder aate. Ek baar EMI late ho gayi toh call aaya.
Staff ne politely kaha maam late payment se CIBIL pe asar padta hai. Please time pe pay kijiye. Main bilkul chup. Us din lag raha tha jaise main kisi cage mein band hoon.
Papa Ne Mera Dil Tod Diya
Ek Sunday papa baith ke bole Loviya humne socha hai. Tera loan thoda heavy lag raha hai. Hum apna kuch savings nikaal ke tera partial prepayment kar denge. Tu tension mat le. Maine mana kiya papa nahi. Yeh mera decision tha. Main khud handle karungi. Unhone mera haath pakad ke kaha beta family isi liye hoti hai. Alone mat lad.
Us din kuch toot sa gaya andar. Main samajh gayi middle class family mein loan sirf paisa nahi hota. Yeh emotions pride aur support ka mixture hota hai. Maine decide kiya jo bhi ho main is situation se seekhungi. Slowly main budget banane lagi. Extra projects liye. Weekend coaching shuru ki. Har paisa count karna seekha.
Aaj Bhi Mujhe Rulata Hai
Do saal baad main us loan ka bada hissa clear kar chuki thi. Ghar bhi mil gaya tha. Lekin uske saath ek badi cheez mili thi samajh.
Aaj main 24 ki hoon. Loan almost clear hai. Ghar hai. Lekin sabse badi cheez main ab kisi bhi financial decision se pehle 10 baar sochti hoon. Maine seekha loan lene se pehle apni real capacity check karo sirf salary nahi. Family pressure mein decision mat lo. EMI aapki freedom chheen sakti hai. Aur sabse important akele mat jhagdo. Support maangna weakness nahi hai.
Aaj Main Yeh Isliye Bata Rahi Hoon
Aaj main yeh kahani isliye share kar rahi hoon kyunki main jaanti hoon kitne log same situation mein hain. Kitni ladkiyan. Kitne middle class ghar wale silently struggle kar rahe hain.
Maine abhi recently ek Facebook page banayi hai Miss Loviya. Wahan main apni real experiences middle class struggles financial lessons aur emotional stories share karti hoon. Koi fancy advice nahi. Sirf sachchai.
Kyunki main chahti hoon ki koi aur ladki akele na feel kare jaise maine feel kiya tha. Yeh sirf meri kahani nahi hai. Yeh hamari middle class reality ki kahani hai. Agar aapne bhi kabhi loan liya hai ya soch rahe ho lene ka toh message mein batao. Main sunungi.
