I like to tell my some experience about life. At my early age I was full of proud that I am the owner of huge properties including land and mango gardens. So I did not care for saving. When my son completed his class xii and prior to this at the time of marriage of my daughter I felt the need of money and started to sell the landed properties and within a very short time I was bound to sell my all the properties which I inherited from my grandfather and father.

After retirement from service I have no place to stay as such i was bound to stay in Govt. quater.I am very much thankful to God ,that when I was to much debted  my son got service and taking loan he managed to return the amount to one of my close relative. I could not understand why the said relative did not pressurise me to return the amount earlier. As soon as I retired from service ,he started to pressurise me for the amount.

I tried my best to sell my landed properties and then my so called"bhagna" took my one mango garden giving me more less price than the market .He also tried his best to prevent me from selling the said mango garden to any other person as I was totally dependent upon him. on that days I was in such a critical position that I have no other alternative except to accept the proposal of Monoj Choudhury (so called bhagna) .Getting no other alternative I agreed to accept Rs 10000/- (ten thousand) per month as the price of the mango garden. The bank agents who gave me credit cards were in habit to call me and also to provoke me for taking loan. The last loan of Rs 2,00,000/-which they gave me on their several pursuance,finished me in all respect. I was compelled to pay not less than Five lacs to get relieve from their hands.

After joining of new service my son was bound to take loan. Due to my fault my son is on the same path of taking loan from the diffarent banks either for me ,for my daughter or for his personal use. I am not in a position to say any think about this as he is able to keep his account personaly or with the help of his wife.

I have told too much till now only to realise you the nesacity of the saving for the future.Do not believe in those words "money loss is nothing loss". Every loss is loss what ever it may be.Not only for money, but I will say you that for the better future of the life pl give more attention about loss of time,as I think it is also valuale just like money or more than money

...............Dhiraj