This is one of the reasons that kept me away from my blog from so long and probably will not let me being regular even in future. :)
Yes, I delivered a baby this August.
Saturday, October 8, 2011
My Blessing - that kept me away from here
This is one of the reasons that kept me away from my blog from so long and probably will not let me being regular even in future. :)
Yes, I delivered a baby this August.
Are you buying gold on this Diwali
Though I am missing from writing circuit from long time, but I always keep my reader well read.
The latest trend I see in PF circuit is to write about Gold. Everyone wants to predict whether Gold's Bull Run will continue or not or pros and cons of investing in Gold or how to invest in gold. This list can go on for quite long.
This advertisement provoked me to write about Gold.
Well that’s exactly my kind of strategy to buy gold. No matter how frugal you are, there will always be some occasion where you would like to buy something to make that moment memorable. For example, we Indians like to buy something on Diwali for home, buy something when a baby is born. So rather than buying something consumable, how about buying something precious like Gold or Silver?
Consumables will be of no value after you pay for them, but gold and silver is something that retains its value. No I don't want to predict or calculate whether it will beat inflation or not. I also don't support investing in Gold for retirement because of lack of liquidity. But how about buying Gold as mementos that you will do anyhow.
And we Indians know how much we love to wear that special earrings or bangle of our grandmother.:)
The latest trend I see in PF circuit is to write about Gold. Everyone wants to predict whether Gold's Bull Run will continue or not or pros and cons of investing in Gold or how to invest in gold. This list can go on for quite long.
This advertisement provoked me to write about Gold.
Well that’s exactly my kind of strategy to buy gold. No matter how frugal you are, there will always be some occasion where you would like to buy something to make that moment memorable. For example, we Indians like to buy something on Diwali for home, buy something when a baby is born. So rather than buying something consumable, how about buying something precious like Gold or Silver?
Consumables will be of no value after you pay for them, but gold and silver is something that retains its value. No I don't want to predict or calculate whether it will beat inflation or not. I also don't support investing in Gold for retirement because of lack of liquidity. But how about buying Gold as mementos that you will do anyhow.
And we Indians know how much we love to wear that special earrings or bangle of our grandmother.:)
Thursday, April 28, 2011
Life is not fair but you need to fight fairly
It’s easy to complain. It’s very easy to think that you are facing the biggest problems of life. But the fact is that I have never come across a single person in life who has no problem at all.
2011 has been a rough year, very rough year indeed. Not so much financially but emotionally and mentally. This has been a year of Murphy visits. I thanked Murphy for not visiting me throughout 2010 and I think that hurt his pride. He decided to be with me for a long time to come now. Between so many hospitals visits and all the bad NEWS from everywhere (and yes sprinkled with some good NEWS at times too), I started believing that I am having the toughest time anyone can ever have.
But then, I come across a guest post on Budgets are Sexy, one of my favorite blogs, by Ashley. To be very honest, I do read lots of posts but very rarely a post will compel me to read all the comments as well. It was one of those rare posts. Yes she is a very strong woman to go through such tough times when she was pregnant and I hope and pray that she never ever face any such problem again in life.
After reading what she went through, I felt blessed after long long time. I am so thankful that I always have food on table, that too of my own choice. I have clothes and well needed resting time as well. I can afford to leave my job for some time if situation demands it. I have money in bank so that even though I am away from family, I can or they can visit me, if health permits.
I am so thankful for her and J Money to host this post, because it gave me much needed motivation and hope to fight my current circumstances with more optimism. Thanks so much.
2011 has been a rough year, very rough year indeed. Not so much financially but emotionally and mentally. This has been a year of Murphy visits. I thanked Murphy for not visiting me throughout 2010 and I think that hurt his pride. He decided to be with me for a long time to come now. Between so many hospitals visits and all the bad NEWS from everywhere (and yes sprinkled with some good NEWS at times too), I started believing that I am having the toughest time anyone can ever have.
But then, I come across a guest post on Budgets are Sexy, one of my favorite blogs, by Ashley. To be very honest, I do read lots of posts but very rarely a post will compel me to read all the comments as well. It was one of those rare posts. Yes she is a very strong woman to go through such tough times when she was pregnant and I hope and pray that she never ever face any such problem again in life.
After reading what she went through, I felt blessed after long long time. I am so thankful that I always have food on table, that too of my own choice. I have clothes and well needed resting time as well. I can afford to leave my job for some time if situation demands it. I have money in bank so that even though I am away from family, I can or they can visit me, if health permits.
I am so thankful for her and J Money to host this post, because it gave me much needed motivation and hope to fight my current circumstances with more optimism. Thanks so much.
Thursday, December 9, 2010
2010 Goals Tracking - Year End
A caution, this is really a long post.
We are in last month of the year. I am already thinking about things I want to achieve in next year. This year for the first time I am finding it difficult to find the goals, because from last 4-5 years my goals always revolved around money and I kind of do very well in that department without much of the effort. Hence, while setting last year's goal, I actually for the first time added some non-PF goals in my life.
This revealed one of my big weaknesses to me, something that I can exploit to improve me. I so much hate writing fail for any of the goal that I consciously started working on those things that I used to hate at one time. And I know this is a PF blog and I generally don't write about personal experiences here other than one’s related to money, but I think that my goals for next year will hardly be PF dominated.
Now I look at goal setting as the technique to improve those areas in my life that I really want to improve. So in my year end review, I want to visit not only how many pass vs. fail but also what was hidden motivation behind all my goals.
These are my goals for 2010:
1) Continue learning new dishes to cook. One new dish per week.
Result: 7 Pass vs. 5 Fail
I used to hate cooking. When I got married some 3 years back, I couldn't even prepare a decent tea. I am lucky enough that my in-laws and my husband in particular are OK with it. In NOIDA we had a cook since beginning and my husband will happily prepare breakfast and tea for me (and I am a tea addict).
What got to me to want to change it? LOVE. Yes honestly, I love my hubby and he loves food. He is a big big foodie. After 2 years of my marriage, I started getting those feelings that I want to cook for him, I want him to say good things about my food and so on. In fact, I tried doing this even in second year of marriage, but resolution never lasted more than 2 weeks.
Setting this goal helped me improve my cooking. And after moving to Hyderabad I realized that it’s very difficult to get a decent cook of our taste here. Now I cook dinner everyday which is a big achievement for a person like me.
2) Continue to be on budget.
Result: 8 Pass vs. 4 Fail
What can I say more than the fact that I love budget and personal finance else why will I have this blog. Plus I like to see my savings grow rather than expenses grow. I started with a set budget to spend per month and exceeded it by 10K as per the need (see I am flexible and not at all that rigid or was it like I hated idea of writing fail over here). But I stayed in budget for most part of the year.
3) Start saving for prepayment of mortgage. 2L should be saved for same.
Result: 9 Pass vs. 3 Fail
We survived a pay cut in 2009 and mortgage has been my first liability ever in life. So I realized the importance of reducing the mortgage amount by prepaying the same. This goal somewhere got modified as save 6 EMIs as emergency fund because my DH was not in favor of prepaying mortgage. I saved 9 EMIs as emergency fund, way more than my set goal.
4) Contribute to retirement as per the plan.
Result: 12 Pass vs. 0 Fail
Well, this part requires least of the effort as everything I do is automated. So I can hardly fail on it unless I don’t have funds in my accounts which have not happened even once in last year. Thanks Murphy and GOD for that.
5) Be less obsessive on daily tracking of things.
Result: 10 Pass vs. 2 Fail
I think I already confessed here that I was obsessed for tracking every penny spent. But then I realized that I should overcome my obsession or in fact was forced by my DH for same (he doesn’t like to be accountable for number of Pepsi’s he drinks in a day).
A confession, my life is stress free once I got rid of this habit. I still track how much we spend in a month but no need to know how much went for Pepsi and how much for other things.
And one last thing to mention on this point, I have started the tracking again because I want to get the idea of expenses we incur in new place and was suggested by DH himself but it is stress free so far.
6) Learn to swim.
Result: BIG FAIL
I love water and that’s why always wanted to learn to swim. And I have a sinusitis problem which once again made it impossible for me to swim. This will be in my list of things to do before I die.
7) Improve healthy eating.
Result: 8 Pass vs. 4 Fail
Though number shows another picture I can say that it is still close to failure. I need major improvement health wise. That’s one area of my life that I neglected till date (I was almost about to reveal my age. OMG). This area needs major focus next year.
8) Earning Rs 50250 (2010*25) extra in 2010
Result: 9 Pass vs. 3 Fail
I don’t do any extra work other then my full time job and house hold chores and I don’t pay myself for latter. This mainly comes from passive income, reward points and gifts. Yes I actually try to save all the cash gifts I receive and some amount corresponding to all the materialistic gifts as well from my budgeted amount. Did I hear insane? Well I’ll say it is just a mental technique to improve my savings.
We are in last month of the year. I am already thinking about things I want to achieve in next year. This year for the first time I am finding it difficult to find the goals, because from last 4-5 years my goals always revolved around money and I kind of do very well in that department without much of the effort. Hence, while setting last year's goal, I actually for the first time added some non-PF goals in my life.
This revealed one of my big weaknesses to me, something that I can exploit to improve me. I so much hate writing fail for any of the goal that I consciously started working on those things that I used to hate at one time. And I know this is a PF blog and I generally don't write about personal experiences here other than one’s related to money, but I think that my goals for next year will hardly be PF dominated.
Now I look at goal setting as the technique to improve those areas in my life that I really want to improve. So in my year end review, I want to visit not only how many pass vs. fail but also what was hidden motivation behind all my goals.
These are my goals for 2010:
1) Continue learning new dishes to cook. One new dish per week.
Result: 7 Pass vs. 5 Fail
I used to hate cooking. When I got married some 3 years back, I couldn't even prepare a decent tea. I am lucky enough that my in-laws and my husband in particular are OK with it. In NOIDA we had a cook since beginning and my husband will happily prepare breakfast and tea for me (and I am a tea addict).
What got to me to want to change it? LOVE. Yes honestly, I love my hubby and he loves food. He is a big big foodie. After 2 years of my marriage, I started getting those feelings that I want to cook for him, I want him to say good things about my food and so on. In fact, I tried doing this even in second year of marriage, but resolution never lasted more than 2 weeks.
Setting this goal helped me improve my cooking. And after moving to Hyderabad I realized that it’s very difficult to get a decent cook of our taste here. Now I cook dinner everyday which is a big achievement for a person like me.
2) Continue to be on budget.
Result: 8 Pass vs. 4 Fail
What can I say more than the fact that I love budget and personal finance else why will I have this blog. Plus I like to see my savings grow rather than expenses grow. I started with a set budget to spend per month and exceeded it by 10K as per the need (see I am flexible and not at all that rigid or was it like I hated idea of writing fail over here). But I stayed in budget for most part of the year.
3) Start saving for prepayment of mortgage. 2L should be saved for same.
Result: 9 Pass vs. 3 Fail
We survived a pay cut in 2009 and mortgage has been my first liability ever in life. So I realized the importance of reducing the mortgage amount by prepaying the same. This goal somewhere got modified as save 6 EMIs as emergency fund because my DH was not in favor of prepaying mortgage. I saved 9 EMIs as emergency fund, way more than my set goal.
4) Contribute to retirement as per the plan.
Result: 12 Pass vs. 0 Fail
Well, this part requires least of the effort as everything I do is automated. So I can hardly fail on it unless I don’t have funds in my accounts which have not happened even once in last year. Thanks Murphy and GOD for that.
5) Be less obsessive on daily tracking of things.
Result: 10 Pass vs. 2 Fail
I think I already confessed here that I was obsessed for tracking every penny spent. But then I realized that I should overcome my obsession or in fact was forced by my DH for same (he doesn’t like to be accountable for number of Pepsi’s he drinks in a day).
A confession, my life is stress free once I got rid of this habit. I still track how much we spend in a month but no need to know how much went for Pepsi and how much for other things.
And one last thing to mention on this point, I have started the tracking again because I want to get the idea of expenses we incur in new place and was suggested by DH himself but it is stress free so far.
6) Learn to swim.
Result: BIG FAIL
I love water and that’s why always wanted to learn to swim. And I have a sinusitis problem which once again made it impossible for me to swim. This will be in my list of things to do before I die.
7) Improve healthy eating.
Result: 8 Pass vs. 4 Fail
Though number shows another picture I can say that it is still close to failure. I need major improvement health wise. That’s one area of my life that I neglected till date (I was almost about to reveal my age. OMG). This area needs major focus next year.
8) Earning Rs 50250 (2010*25) extra in 2010
Result: 9 Pass vs. 3 Fail
I don’t do any extra work other then my full time job and house hold chores and I don’t pay myself for latter. This mainly comes from passive income, reward points and gifts. Yes I actually try to save all the cash gifts I receive and some amount corresponding to all the materialistic gifts as well from my budgeted amount. Did I hear insane? Well I’ll say it is just a mental technique to improve my savings.
Tuesday, November 30, 2010
2010 Goals Tracking - November End
These are my goals for 2010.
1)Continue learning new dishes to cook. One new dish per week.
2)Continue to be on budget.
3)Start saving for prepayment of mortgage. 2L should be saved for same.
4)Contribute to retirement as per the plan.
5)Be less obsessive on daily tracking of things.
6)Learn to swim.
7)Improve healthy eating.
8)Earning Rs 50250 (2010*25) extra in 2010
It's November end and as I promised this month's review includes status of my goals collectively for both the months, October and November.
Goal 1 - Cooking - PASS. Thanks to Hyderabad. :) We are not getting any decent cook here, so I am cooking everyday and so far enjoying it completely. WOW!
Goal 2 - Budget - Don't Know. My Savings is on track, in fact more then on track, so I am assuming that even if I am spending little more, it's OK!
Goal 3 - Save for Mortgage - PASS.
Goal 4 - Save for Retirement - PASS.
Goal 5 - Obsession for tracking - PASS.
Goal 6 - Swimming - Don't Know - Have dropped it for now.
Goal 7 - Healthy Eating - PASS.
Goal 8 - Extra Earnings - PASS. I completed my annual target in November itself. Now whatever I am going to get in December is additional. :)
Recap:
January Recap
February Recap
March Recap
April Recap
May Recap
June Recap
July Recap
August Recap
September Recap
October Recap
1)Continue learning new dishes to cook. One new dish per week.
2)Continue to be on budget.
3)Start saving for prepayment of mortgage. 2L should be saved for same.
4)Contribute to retirement as per the plan.
5)Be less obsessive on daily tracking of things.
6)Learn to swim.
7)Improve healthy eating.
8)Earning Rs 50250 (2010*25) extra in 2010
It's November end and as I promised this month's review includes status of my goals collectively for both the months, October and November.
Goal 1 - Cooking - PASS. Thanks to Hyderabad. :) We are not getting any decent cook here, so I am cooking everyday and so far enjoying it completely. WOW!
Goal 2 - Budget - Don't Know. My Savings is on track, in fact more then on track, so I am assuming that even if I am spending little more, it's OK!
Goal 3 - Save for Mortgage - PASS.
Goal 4 - Save for Retirement - PASS.
Goal 5 - Obsession for tracking - PASS.
Goal 6 - Swimming - Don't Know - Have dropped it for now.
Goal 7 - Healthy Eating - PASS.
Goal 8 - Extra Earnings - PASS. I completed my annual target in November itself. Now whatever I am going to get in December is additional. :)
Recap:
January Recap
February Recap
March Recap
April Recap
May Recap
June Recap
July Recap
August Recap
September Recap
October Recap
Sunday, November 28, 2010
My First Lottery Win feels WOW!
Yes, you read it correctly. No I am not a gambling addict but as i have mentioned so many times I am jinxed ;)
Little background, before 26th November 2010, I had never ever won any lottery. I never won Tambola/Housie :(. In fact, I was so unlucky that I have never heard my name in any chit picking game. Once in my college, our lab seats were to be decided by picking up the slips and out of 40 students, I was the last one whose name slip never got picked and I had to take the last seat left :(
But not anymore. On 26th November, in our office party, I won in Tambola, not one but two prizes. One first five and then completing third row.
Do you wanna know how it felt, awesome, purely awesome. I am feeling so lucky again :)
Just wondering how some small things cam make you feel almost half of your age, and no I am not revealing mine :D
Little background, before 26th November 2010, I had never ever won any lottery. I never won Tambola/Housie :(. In fact, I was so unlucky that I have never heard my name in any chit picking game. Once in my college, our lab seats were to be decided by picking up the slips and out of 40 students, I was the last one whose name slip never got picked and I had to take the last seat left :(
But not anymore. On 26th November, in our office party, I won in Tambola, not one but two prizes. One first five and then completing third row.
Do you wanna know how it felt, awesome, purely awesome. I am feeling so lucky again :)
Just wondering how some small things cam make you feel almost half of your age, and no I am not revealing mine :D
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