I was born in a middle class family & below poverty line I've been through the phase where 1. We don't have gas stove to cook food my mom used to cook food on oven. 2. We borrowed rice from neighbors sometimes. My Parents don't even ate sometimes. 3. My father took several thousands of rupees for the education from money lenders and my mother pawn her jewelry's. We fear of rainy season because my house is full with rain water we used to keep utensils to catch rain water. 4. Me & my brother's never purchased clothes of more than ₹2000 5. We never brought shoes more than ₹1000 6. We had brought our first refrigerator in 2021 & Washing Machine in 2024. 7. I got my first smartphone in 2020, after becoming FTE 8. We couldn't afford a Bike, not even a second hand as my father was a small farmer/auto driver. 9. We brought our first bike in 2024 10. I never celebrated my b'day with my friends in college as I don't wanted to waste my father's m
I am a salaried employee and here are where I invest my money health insurance - hospitals are costly . They drill a hole in your pocket . Buy health insurance right away for everyone in your family . life insurance- another important investment . My life insurance is done by my company , I took another insurance from TATA AIA Both these insurance can be claimed while filing an ITR . FD - I have this simple rule . I save some amount every month in an account I do not have a debit card for . As soon as my savings hit 50k , I make a recurring FD of that money . I haven’t decided how or when I will use it , but I’m just doing it RD- start an RD of as much money you can easily shell out of your pocket every month . Since I have no specific goal, I just chose an RD which gives me the best interest rate , without having a time frame in mind Emergency fund : The goal is to have an amount that will take care of your monthly needs for a period of 3–6 months in case of sudden layoff . mu
1. My mom always tell me " don't ever let someone else goals and dreams influence your vision of life" Don't let people judgement stray from the path you have chosen. walk your own path since you are the one to decide where you are going and how long it will take. people will speak bullshit and you will have to walk away and continue the journey. 2. My Dad always says that "forgiveness always benefits two people: the giver and the receiver, people do lot of bad things that sometimes you can't forgive them but remember you can but you just don't chose to if you want to lighten the burden you will have to forgive and move on and see what good it does. 3. Don't take anything or anyone for granted 4. your worth is not decide by how people treat you but by how you treat yourself. 5. Lastly if you can't laugh at one joke multiple times then why do you cry about the same problem again & again.
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