SINDHUJA RAVINDRAN'S BLOG

A man driving a car and felt very thirsty. He don't have a water in the car. There was no shop and house on the way. It was like a road in the forest. He wanted to go a little further and see. He came about 50 km away. There was no shop and no house. He felt very tired and thought that if he not drink water for a while, he would faint. Then a small department store came on the way he quickly stopped there and went inside. There were many water bottles. He was very happy and relieved to see that. He took one bottle and came to the bill counter. The person who was there said that a bottle costs fifty rupees. He checked the price and found that it was only 20 rupees. When he asked, the shopkeeper said, "Sir, there is no shop before or after 60 kilometers from here, If anyone wants water here only available. If you like it, buy or leave." If he don't drink the water he will faint." He had no choice so pay fifty rupees and bought the bottle. After few days...

If you buy a car in December and it is registered as a 2024 model, 2025 is coming in just one week. If you are looking to buy a car and drive it for as many years as possible, this is a good opportunity for you. Generally, automobile manufacturing companies reduce production in the last three months of the year, they produce based on demand and order, because after three months, the car will be one year old when the year is registered. For this reason, many car companies give special discounts and offers on cars in December. If you are a long-time car user, take advantage of this opportunity and book a car before the end of this year at a good discount or go buy a car in early January. You can definitely get a 2024 registered car. You can negotiate a good deal and get more discounts and offers by mentioning the above reasons. You really like the car, you will update it often, means wait one week and buy it, you will get a 2025 registered car, when you sell it, it will have ...

If you have a habit of spending too much, you may be able to avoid spending if you know how much time you have to work for the money you spend. How do you find it? Very simple If your salary is thirty thousand and you work 8 hours a day for 26 days a month, the money you earn per hour is ₹30000 / 26 days = ₹1153.85 ₹1153.85 / 8 hours = ₹ 144 According to this calculation, the money you spend is ₹500 - 3 hours 45 minutes ₹ 1000 - 7 hours If you calculate the money you spend in this way,there is a chance to avoid or postpone that expense. Try it.

Whatever your salary is, tell your family and friends after deduct at least 10% of it, and you should also calculate the same and plan your expenses accordingly. If your salary is 30000, say 27000 and plan to spend with that month. Now 90% of companies pay salary in bank account. As soon as the money credit in your account, select the auto debit option with RD,mutual fund SIP so that 10% of the money goes to that. If you invest money directly in stocks, transfer the money to your demat account as soon as you get your salary. Make sure those saving money is for your future and not for the present. Here 10% is the minimum amount, you save as much as possible.  Using this savings, you should first do the following three things and then save for long-term goals. Emergency Fund For the first few months, i.e., six months of your salary, you should have an easy-to-draw savings account or buy gold that can be mortgaged to meet unexpected expenses. Medical Insurance Most familie...

The price of the house we are going to buy should be 6 times of our annual income. The EMI we have to pay monthly should be between 30% and 40% of our income/salary. Our credit score should be above 750 then only banks give us a little less interest or we can talk to the bank to reduce the interest rate a little. If we increase the years of our EMI, the installment amount will decrease but the amount of interest paid will high, if we reduce the year of EMI payment, the amount of interest will decrease. If we get money through bonus or other income, we should use it to pay off the home loan, that time bank will give us an opportunity to reduce the loan installment amount or reduce the years of payment of installment , if we reduce the years and pay the same installment as before, the loan will be paid off quickly.  Monthly installments where both interest and principal are deducted if you pay an additional thousand or more, it will be deducted from the principal or if yo...

No-cost EMI is a tactic used by online shopping sites to attract customers who buy products through credit cards. Now, shops have also started following this. Is it really the buyer get benefits from this?   When you select No-cost EMI to buy product, only the names of certain banks come up, those respective banks pay an amount to the online sites or shop who sells those goods as a commission for listing them. When we use a credit card of any of those banks, we have to pay a processing fee of 200 upto as per the price of the goods we buy, and if we fail to pay the loan installment under any circumstances, we will be charged 30 to 40% interest. By buying goods in bulk, the company gets the product at a discounted price, but they will only set the price by adding the interest we have to pay to it or they will give us the MRP price.  Banks give to online shopping site or shop the real discounted price of the product, but they charge us the amount the site/shop so...