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MARKET IS IN FREE FALL. WHAT TO DO?

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  Market is loving the red nowadays (Why on earth my mind is stuck on ‘London Bridge is falling down...falling down’ rhyme? We know whom to blame but can’t risk writing it here. That ‘someone’ reads my blog and I can’t take any chances). Russia’s attack on Ukraine has caused turmoil in the market along with the fear about Fed Rate Hike. So, the question on everyone’s mind (If invested in the Stock Market, of course) is ‘What should you do? Should I pull out all my money?’ The short and sweet answer to this is ‘Nope’. (There, saved you so much time. If you have nothing to do like me then read on.) The real question here should be ‘What you shouldn’t do in falling market?’ (I am too lazy to change the heading now) No panic selling My Father taught me a simple funda. ‘When shopkeepers (It’s a metaphor, people… I am not categorizing Shopkeepers here) start talking about stock prices and start giving stock tips then it’s time to leave the market (Book your profit) and when everyon...
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HOW TO CHOOSE YOUR HEALTH INSURANCE

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  Husband is not happy. He hates his new job as my proof reader. He is too busy and I am too pushy. So, if you are interested in this job (unpaid, of course...I am still not earning a penny from this blog) than please contact me (Daughter wants this job badly but she is too critical of my writing skills!!!). Stock Market is not taking Russia- Ukraine conflict kindly. So, if you are invested in the market (FYI - Volatility is expected to continue for some time) and its performance is affecting your health than this post is for you. (Check your health insurance if you already have one with the below mentioned points or if you don’t have one yet...what are you doing? Buy one immediately after reading this post!) Buying a health insurance is a tricky business (So many clauses and pages that too in small fonts, who reads them?). Here are the points (I love making bullet point notes if you don’t already know that) to consider while buying a health insurance. ●    Claim ...
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FINE LINE BETWEEN YOLO AND I NEED TO SAVE

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  I love reading quotes. All kinds of quotes – on life, loss, positivity, women empowerment, humorous, finance everything (Daughter loves them too and throws them right back at me at appropriate times!). It gives me happiness, courage, power to jump start my day, positivity and knowledge as well. Some days ago, I read one quote which caught my mind. This got me intruded. This is what I feel many many times. Many of us do. There are so many shopping temptations. Increasing due to social media. Hard to resist. (Stop showing me the advertisement of the garment I wishlisted, Google!) So, what should we do? Here is my solution. ·      Money looks better in the bank than on your feet. (Yup, yet another quote! – Keep this in mind whenever your temptations grip you) As already mentioned in last post, you should save minimum 20% of your income. By saving, I mean investing and not kept in bank accounts. If you will see high bank balance, you would be tempted to sp...
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First steps to Financial Freedom

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  After highly publicizing my first post (Thank you, Husband and Mother) and pining all good diamond jewellery designs on Pinterest (if you have read my previous post than you would know what I am talking about), I had to come up with something good which would keep the momentum going. After some thoughts, I decided to write on something basic but essential, something that almost everyone knows but majority don’t implement. So here is my post on ‘First steps to Financial Freedom’ . On a totally different note, Daughter was not amused with the writing of my last post. She thought that I used the words ‘Cheap/Costly’ too many times. So, bear with me while I bring out my Thesaurus and try to use some ‘better’ words. Here we go …   ·      Creating an Emergency fund is Must! You should have Emergency Fund of at least 6X your monthly expenses. Keep that money in your bank account or liquid fund, that’s your discretion (see!) but it should be readily ava...
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MY (FUNNY) TAKE ON BUDGET 2022

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I made a note on Budget 2022 and thought of putting it as my first post on my blog. ‘What better way to start a blog than with the budget?’ I thought. So, I sent the final draft to my husband and mother for approval. Husband outrightly rejected it and conveyed its dullness and blandness quite expressively. Mother didn’t say a word. Well, I know what her silence means (most of the time) so I decided to drop the idea of putting it as my first post and planned to write about the Budget in some creative way. So here it is…                                    My (funny) take on Budget 2022   ·    Imitation Jewellery to get costlier and diamonds get cheaper... (Ladies, now you know what to buy and Guys, you know what to gift!)    ·      25000 km road to be constructed in 2022 i.e.  around 68 km road per day…That's quite commendable. R...
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