Me after spending July's budget in May

Me after spending July's budget in May- Grapevine

Welcome to Personal Finance's Private Community

Finally hit 1 cr in savings and investments today after 7 years of work. I know it's not a large amount but it's the best I could do while supporting my brother's education and managing my family (dad is no more). Goal is to increase by .5-1 cr yearly now.

Portfolio split-
MFs- 65 lakh
Stocks- 28 lakh
FDs and savings in banks- 7.5 lakh
Forex- 3 lakh

Total- approx 1 cr

What I'm working towards- increasing investments in stocks to make it almost 50:50 between shares and stocks and also adding more gold and forex to the portfolio. No real estate in the next 2 year horizon

Feeling a little happy today

Strategy & Operations

Welcome to Moving Abroad's Private Community

Been thinking about going for an international trip lately. Asked a bunch of friends, but it looks like it's just gonna be me. Anyone here who has travelled solo? Thoughts on those "Make My Trip" packages? Or any other cool recommendations?

Traveling alone

Security Engineer

Which subscriptions are worth subscribing to? Can be of any category Food, Grocery, Shopping, Music, newsletter, Books, fitness, etc.

I'll start:
* Zomato gold(I save 15k+ per year)
* Amazon Prime

Subscriptions which are worth it?

Founder

Software Engineer

Welcome to IT Company Discussion's Private Community

Monthly Expenses In Bangalore Decoded (June)

Software Developer

I come from a poor background, but somehow I worked extremely hard and now I earn decently well (above 60 LPA cash). 

My problem is- 
I don’t mind spending on others. In fact I don’t even think twice before taking my card out and buying things for family or friends. I have also lent money to multiple people when they are in need of help (total close to about 2-3 lakhs). But it doesn’t bother me even a bit. I don’t even care about whether I’ll get it back or not. 

But, when it comes to me, I find myself struggling so much and questioning my decision to buy things even as cheap as INR 200-300. And most of the times I find myself going extra miles to save a few bucks. In fact, I also recently downgraded from a bigger to smaller apartment, because I have been doing so much maths around saving 7-8K a month. 

Maybe there is some part of me that feels that I don’t deserve any of this. 

Anyone has any idea how to fix this?

I find it so hard to spend on myself

Product Owner

I am trying to form a habit of tracking where my money is going.

I used spilitwise for a long time, but now it seems for everything you need premium version. Do you guys use any app to track your monthly expenses?

Do you guys track your monthly expenditures?

Staff Engineer

My current phone is almost 4 years old so I am in dire need of a new one, most of my friends/colleagues are buying Iphone and recommending me the same(since it has best camera + brand value) but for me spending most of my salary on a phone seems absurd....

Should I buy an Iphone from first salary

This should include everything from home bills, entertainment, medical expenses, trips etc. When I was single (back in 2016), my expenses were around 20k per month.

Now I easily go above 1L every month (without rent, we live in our own house). My wife also works and she has her expenses too.

Not sure what’s the reason for it though. We live frugally and don’t spend lavishly (atleast I don’t think we do). I barely buy anything for myself (I use 1k earphones and buy clothes from decathalon). My wife is the same.

Is this common when you get married? That your expenses permanently increase? Or is there something I should be worried about? TIA

Married folks, what’s your average monthly expenses?

20 K + 20 K in 2016 -> approx 35 K + 35 K = 70 K (assuming 7% inflation over 8 years). 
  
 Extra 30 K can be attributed to your lifestyle increase, going out more often , more food ordering , better furniture, gym, medicines, insurance premiums , vehicle purchase, and maintenance if not included etc.

Corporate Strategist

Head Of Marketing

Welcome to Software Engineers's Private Community

I am in a remote company and i like the wfh setup and staying with the family but i stay in a tier 3 city and there is not much to do on weekends.

WFH people who lives in tier-2/3 cities what do you guys do on weekends

Whats some things you buy on salary days?
Dont say MFs or IPOs please 😂.

Its been a habit to buy a box of strawberries for almost an year now.

Me after spending July's budget in May

Discover More

Personal Finance on

by Dezi Carmden

InMobi

Feeling a little happy today

Moving Abroad on

by Kendall Gabriel

Startup

Traveling alone

Misc on

by Dezi Nadeen

Uber

Subscriptions which are worth it?

IT Company Discussion on

by Matilda Nadeen

Siemens

Monthly Expenses In Bangalore Decoded (June)

Personal Finance on

by Kendall Denver

Stealth

I find it so hard to spend on myself

Personal Finance on

by Isaiah Carmden

Uber

Do you guys track your monthly expenditures?

Personal Finance on

by Karilyn Denver

Slice

Should I buy an Iphone from first salary

Personal Finance on

by Blair Carmden

Stealth

Married folks, what’s your average monthly expenses?

Software Engineers on

by Kalan Carmden

Stealth

WFH people who lives in tier-2/3 cities what do you guys do on weekends

Misc on

by Aaron Lee

Stealth

Salary day water cooler