Business Analyst

Software Engineer

The only thing I lost when I got a personal trainer -  
 A zero from my bank balance

Strategy & Operations

Adulting by the rules is, well expensive!

Growth Manager

Adulting by the rules is, well expensive!- Grapevine

🥲

Adulting enough

Product Manager

Adulting is going great! *sobs silently*

Intern

Adulting in Indian Households

Software Test - QA

Adulting is hard!!

Saturday and Sunday just went in a jiffy by attending to chores....

Friday nights don't excite me anymore. I couldn't play my pc games anymore😭

Everyone is busy!!! 

And definitely these dating apps are worse! Many racist for dusky guys....

Saving money just happens to standstill...

Nothing excites me anymore..

Any solutions??

Adulting is hard

Information Security

I will complete 3 years as a professional soon. Quit a Big4 to join a startup for better pay and faster growth but despite putting in my best work and leading initiatives, going above and beyond all the time, my peers are all earning better than me doing similar jobs.

i never had a financially aware upbringing. my father put us through hell due to his bad decision making and despite me being very financially savvy, am unable to save any money because im so anxious I tend to spend what I dont have. i had to take up a lot of freelancing to aid my lifestyle but now im busy all the time and have no time to myself. 

idk what to do. idk how much savings my parents have since I live away from them and dad never discusses his larger financial plans with me. he also does not have a stable job even at his age even though I know he is v hardworking and does his best. i feel i will never have enough money to support my parents and myself and feel like im running out of time. also doing interviews to leave this shitty company as well which is lowballing tf out of me. im not sitting idle at all, trying to startup on the side as well. i workout, eat and sleep healthy, have a great social life. the only problem is money which im constantly worrying about. i feel its a generational curse passed down to me. I know I have 10x earning capabilities but its all so vague and uncertain. I have an amazing support system and I know I can talk to my friends about this too. just thought of coming here first

please share stories if youve ever felt this way. open to advice feedback ideas. how did you get out of it? what can I do? 

what are some business/sales roles that pay really well that I can get into as an ex-big4 analyst? i dont think my current profile translates well anywhere. f*ck this company honestly. probably the worst decision I made coming here :(

[rant] 24 year old anxious about his financial future

Marketing Associate

Budgeting as an adult means carefully planning how to spend all your money before it even arrives. 💸💭 #FinancialPlanning #AdultingWoes

Who else feels like they’re constantly playing financial Tetris with bills and expenses? Let’s swap budgeting tips and tricks!

Payday Feels Like a Myth😅🤪

System Administrator

Adulting: No Cry Zone!🥹🥹

Welcome to Personal Finance's Private Community

So many folks are speaking out (or bragging who knows🤷) about their monthly/yearly paychecks. Just curious, for all single folks who are receiving a hefty wad of cash every month:

1. what do your general expenses look like?
2. what do you like to spend it on the most?

Here's my monthly breakdown(jab hum employed hua karte the🥲):

rent(coliving PG)- 12k
transport- avg. 1.5k
food- avg 7k
gym & stuff- 7k
parties- 5k
misc- 2k
TOTAL- 34.5k out of 80k in-hand

Apart from the general expenses, once in a while, I'll indulge in buying a good perfume of around 5-6k. 

The 2 most costly purchases I made were a new laptop(asus vivobook)- 50k & prs electric guitar & accessories- 82k

What about you?

What do you like to spend your money on?

Family is pressing us to buy a house but I don't have any treasure even to put a down payment. Terribly frustrated.

How do you cope up with family members pressing you to buy a house?

Security Engineer

Personally, I don't have irresponsible spending habits. But I feel that because of that I spend too little even if I can spend more. 

You can say I am a MISER. I want to change it for myself. I want to make myself a sensible spender, without having the guilt of over-spending. 

I mean, you understand that sweet spot. I want to hit that, but face a lot of difficulties. 

People who know me say, I am frugal and not a miser. And those who don't know or don't understand the thought behind this spending habit tell me I am a miser. 

Fellow Grapeviners. Can you help me with this out? 

P.S - My opinion is that since I was a single child of lower middle class parents who could not even afford school fees (took admission under EWS quota) to become a family who is financially strong. I feel extreme guilt, when I think of spending money and analysing the value vs money graph.

Being Frugal vs Being Miser

I have been pursuing some aspirational products like Apple Watch SE, Airpods Pro 2, PS5 etc. since a long time. I go to the Amazon page and add it to cart but then my conscience questions me as to is it worth spending so much on it? I earn decently and live in BLR but still I dont fully understand to give my mind a valid reason for purchasing a 40k Watch that shows time, some metrics and some automation. Also 20k for listening music, 50k for playing games.

It feels as if is it sane to spend much on these personal material stuff? How do you folks look at this while making purchases?

How do you justify expensive purchases to yourself?

For some ps5 is not about price, it's about their dream to buy since college days (many ppl I know bought it) and same goes for other stuff as well.

Digital Marketer

Software Developer

I have always dreamt of playing an electric guitar on stage. I started to learn guitar in late 2020 and it's been 1.5 years since I stopped playing it do to multiple reasons like bad time management, upskilling for switching, work etc.

I always wanted to work in companies not directed towards IT such as Mercedes Benz, Philips, Samsung,  Siemens, Ather etc and work in areas where UI/UX design overlaps with physical product design. Physical product design is my first love and will continue to be so as that field still fascinates me. Not everyone is privileged enough to pursue their passions and might have to work in certain areas where they are partially interested and pay is good coz, hey! We gotta pay bills.

I wanted to learn multiple languages and was learning German a couple of years ago. Again, due to the reasons listed above, I had to drop out. I want to travel abroad for work, work in multi cultural teams etc.

I always wanted to run marathons and reach the top of Nandi Hills (a hill on the outskirts of Bangalore) by cycling because I was once a obese kid and wanted to prove myself wrong. Now, I have to loose 13 kilos and I'm on working on it. But I sometimes wonder if I can do these things as I had so much to work on.

I was pretty good in sketching. In fact, I was pretty good once upon a time in my design school. Now, I barely sketch. I don't want to loose that part of me who use to sketch day and night. I want to have an Instagram page with all the digital illustrations I wanted to make.

We live in times where one has to consistently switch jobs, upskill everyday, spend time with family and friends (not that I don't want to, but I also love my personal time), take care of aging parents, take care of kids, take care of household, travel to work, get enough sleep for 6-7 hours a day- basically be an adult.

I sometimes wonder if life is nothing but a graveyard of dreams. I understand that one can't do everything in life and sacrifice is inevitable in life.

Folks who are 30 y/o and above, do you still have dreams or are following your dreams while responsibilities pile up in life?

Product Designer

Hello, i’m planning to buy house and need suggestion. People who bought houses in premium or normal gated communities can you share your good and bad points about these gated communities? How are you managing high emi, school fees, building maintenance fees, personal health and monthly groceries.  How much money will be saved every month?

Suggestions on gated communities

Cloud Consultant

Welcome to Indian Startups's Private Community

*IMPORTANT*

Monday morning and nobody at office. We have no option but to force strict rules now: 

1. If you arrive any later than 9:55 in office, it will be marked as half day leave. 

2. Lunch breaks are supposed to be max 40 mins long. I accept basic courtesy of following this, if not, I’ll tag people on the group. 

3. All leaves requests need to be emailed to me. Without any record on email, we might not be able give a record of how many leaves in each bracket are left for each individual. So don’t expect this data from us, if you don’t email.

Icing on the cake, CEO didn't come to the office

CEO of a YC funded fintech startup

Salesforce Developer

Just want to know what your current net worth is (including house, -debt) and what is your target saving for you to not earn anymore?

e.g. 2.25 lacs in hand means 3.3 lacs per month/40lacs per annum before tax, implying at a 4% withdrawal rate, you need 10 crores of savings.

What is your target saving number for you to be Financially Independent and freely pursue your hobbies.

Product Marketing Manager

What is the biggest expense, how much do you save and how much do you invest

How much do you save per month?

Analyst

Going first, for me it is my Apple Watch Ultra (with Blue Ocean Band). I paid Rs. 1.05 Lacs for it but still the best investment I have ever made

Adulting by the rules is, well expensive!

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