The Culture of Pakistan

From starting of world, when people started to live in groups. They experienced some kind of rituals about their living, hunting and making fun when they were in leisure which varied from groups to groups. This type of thing which evolved between them can be taken as the starting of culture. These were the very essence of cultures which differentiated the groups of people among them. So in this manner, the culture started to grow spontaneously. These basic elements then resulted to create the languages and then usually on the basis of languages transformed into the shape of nations. So, the resultant of this all saga tells that main factor to transform the all humankind is nothing but culture.

As we come to the culture of Pakistan and study it thoroughly, then we find that the only substance which was caused to make this country is nothing but culture. From the very starting of the freedom struggles, we can single out that culture was the main factor which geared up to start the struggle for separate nation. As we, being the Muslims had different culture as compared to others. They were Hindus and followers of other religions. So, it looked very difficult to live the lives as per commandants of Islam, in case the British quit India. So, in this considerable situation to provide safeguard to our culture, our ancestors started struggle of Pakistan movement. They decided to receive a country named Pakistan where they could easily and freely can act upon the teaching of Islam. Once upon a time the main leader of Pakistan movement Muhammad Ali Jinnah said in a gathering that they were to going to get a country, which would be like a laboratory where the Islamic ideas would be tasted and acted upon thereafter. So, coming to the point about the culture of Pakistan after the coming into the being of Pakistan. For this purpose if we delve deeply upon it, we find that our culture is not meant as same as we were promised at the time of independence of our country. It has changed on three hundred sixty degree. If we examine thoroughly, we find that the main reason for this drastic change is the deaths of leaderships who were very committed and sincere with the goals of making the country at the very early time to formation of country. Second, from very starting, the country had to look towards developed countries of Europe and America, this factor caused to transfused their culture to prevail onto ours. As we were the receptors before those nations, so we were being reluctant, could not take the stand to check their culture from penetrating into ours and gradually we started to sink into their culture. Now a days, using their culture and especially their languages are taken as the only ladder, ascending on which one can attain the zenith of progress. As conclusion, it looks better that we should grasp the knowledge and advancement not on the cost of our culture. Because, it shows some type of hollowness within us and creates a sense of inferiority complex in general on national level. It is also true said that which nations which cannot save their culture, they don’t have to exist on the map of world.

How to avoid getting into debt

Nowadays, the main source of debt creating is usually considered in the usage of credit cards and people who carry credit cards are on risk of indulging in debt. Consequently, when you use the credit card, you have to face many sacrifices to re-pay the dues against the usages you made. To use the credit card rationally, there are some tips which can be helpful for controlling credit card debt.

1.    Maintain an emergency fund

Usually you generate credit card debt for major car repairing or medical expenses. Due to having no savings, you find no way instead of paying from credit card. In this situation, an emergency fund doesn’t let you utilize your credit card.

2.    Charge as per your affordability

Whenever you go for shopping, first see your affordability for the good you want to purchase. If purchasing the good on cash looks unaffordable, then don’t purchase.

3.    Unnecessary transfer of balances.

Stop balance transferring from card to card for avoiding due dates. If there is a lower interest rate in transferring the balance then it looks that you are going to take the benefit of it. Otherwise, this practice only decreases your balance due to balance transfer fee.  

4.    Don’t skip payment of credit card

Paying regularly to credit card is the best way for avoiding its swelling. Once you miss your payment in any month then for next month you will be burdened enough for paying two months amount along with late fee charges. In this drastic situation, you may use another credit card as to making both ends meet.

5.    Pay full balance on monthly basis.

For avoiding credit card debt, paying off credit balance on monthly basis looks appropriate. In this way, you don’t have burden of balance and also eliminate the risk of getting into the credit card debt. Having paid full, you do never worry about minimum payment and this practice also shows that you spend rationally, allowing yourself only to purchase what you can afford.

6.    Know the signs of credit card debt.

Most often people don’t pay attentions on the warning signs of credit card debt and keep using the card and consequently cross the limit. Recognizing the signs of credit card debt timely, gets you stop using it further and you get away from going into debt altogether.

7.    Abstain from cash advances.

When you pay cash using your credit card, you may face troubles in financial matters. Instead of that, withdrawing cash from bank for this usage would be a rational choice. As the cash advance is the initial stage of credit card debt. So working on fixing budget for creating an emergency fund is a good practice to abstain from cash advances.

8.    Don’t lend your credit card.

When you give your credit card to anyone for using, he may use it extravagantly and it means you will have to pay for the debt for your not making expenditures and ultimately it will suffer you with the credit card debt.

9.    Apprehend your credit card terms.

Get full apprehension of credit card agreement and pay full attention on how interest will be applied and when you will be charged a fee. Knowing about these features of your credit card will make you fully aware at the time of using your credit card.

10. Keep your number of credit cards in limit.

The more credit cards in numbers you have, the more charges you will have to bear for them. Don’t try to temper yourself that you have thousands of dollars available in your credit cards. Eliminate the number of credit card to avoid the credit card debt.