by A comical guide for fixing finances without losing your Mind.
Namaste, friends! 👋.
At the end of each month, have you ever questioned whether your wallet or bank account was secure and reliable?
I’m wondering where my money went, considering that I didn’t make any big purchases.
Don’t worry—you’re not alone.
Regardless of age, this is a frequently occurring mystery. And no, it’s not black magic.
It’s just our old friend: bad money habits.
Today, let’s take a light-hearted approach and explore how we can manage our finances without giving up our favorite snacks or TV channels. 🧓
1. The “Beta, Budget Banaya?”
Many of us have never made a budget before. We think “Bas, jo paisa bacha, wahi saving hai.,”
When there is no budget, your money drains faster than sweets at a wedding.
Funny Example: The process is similar to making tea without realizing how much sugar has been left. One day it’s too sweet, the next day… you’re drinking hot water.
👉 Solution: Write down your earnings and expenditures in a journal or app for each month. Excel or sophisticated applications are not required. A pen, paper, and honesty are the only necessities’.
2.The Invisible Thieves—Small Expenses
₹40 chai here
₹120 samosa party with friends.
₹300 medicines were purchased as a precautionary measure.
Your savings are gradually depleted by these minor expenses, which seem to be like termites.
The Real Talk: A daily expenditure of Rs 100 equals a monthly income of approximately Rs 3,000, which results in yearly returns of around Rs 36,000! And that’s without buying a single saree, kurta, or dry fruit box.
👉Solution: Control small expenses. Make chai at home sometimes. Avoid “just like that” shopping. Save for the things that truly matter.
📺 3. The “I Have 8 Subscriptions But Use None” Problem.
Despite paying for services like Netflix, Tata Sky, Amazon Prime, and Hotstar, you may still be limited to viewing DD National.
True Story: Uncle Sharma’s gym membership was granted for a year. He made a trip there just once to inquire about the availability of tea.
👉Solution: Cancel what you don’t use. Keep a couple of services that you observe or find enjoyable. The rest? Bye-bye.
📈 4. The Wrong Investment Trap.
We all have a desire to increase our wealth, but there are times when we receive unusual guidance:
“Put money in this scheme. It’ll DOUBLE in 2 months!”.
Friends if that were the case, Ambani would also be investing there.
Funny But True: Saying “Double paisa” could result in someone using your money to the fullest and potentially using their own.
👉 Solution: Stick to safe, trusted places like Mutual Funds, FD, PPF, LIC, etc. Ask a trusted advisor before investing. If it sounds too good to be true—it probably is.
💸 5. Loaning to Friends Who “Forget to payback”.
We Indians are very emotional. 5,000 is borrowed from us without any thought to someone who says “bhai” or ” behen. Then… silence. Following that, you’re left with wedding invitations but no money.
👉Solution: It’s okay to lend a hand. When lending money, documenting the transaction and establishing a clear return policy, And if they say “bhagwan kasam, I’ll pay soon,” remind them that even God prefers EMI plans these days.
6. Big Trouble – Without an Emergency Fund!.
Life is unpredictable. Illness, accidents, home repairs, and sudden travel are all instances where money is necessary. But most people say, “Aisa kuch nahi hoga.”. Until… it does.
👉 Solution: Deposit a separate savings account for 3-6 months to hold your expenses.’ It is not for use as a wedding gift, gifts, or unplanned pani puri parties.
strong> 7. Financially speaking, a lack of insurance leads to an increased risk of heart attack.
Higher costs for medical treatment are outpacing the price increase of petrol. A single hospital visit can cost anywhere from 1 to 2 lakhs today….?
The absence of health insurance results in feeling more pain in your pocket than in the body. Why?
👉 Solution: Obtain health insurance for both you and your family. It is possible to avoid significant expenses later by utilizing a basic 5–10 lakh cover. It is mandatory to have term life insurance if your family depends on financial resources. Why?
🎯 8. Still Not Saving for Retirement?
We Indians think that children will take care of us.? And many do.
What’s a better alternative to trusting them? Possessing your funds and autonomy.
👉 Solution: Regardless of the size of your job, save some money from your paycheck right away. With a smart investment, $ 1,000 per month can yield lakhs. How? It’s preferable to start too late than to be idle. Let’s find a way to incorporate humour into your financial plan. I prefer to laugh rather than cry due to EMI.
The following are some practical guidelines to follow:
Keep these in mind. Don’t go shopping if you are feeling sad. A pressure cooker will be purchased if you only need to exert pressure. Spending too much is likely when your wallet is thinner than the mobile you use. Why? If you’re buying a fridge, don’t buy over-the-line headphones.
Take Control, Not Tension –
Final Thoughts:
Take Control, Not Tension
Money isn’t evil. It’s not complicated either. It just needs attention—like your plants or that old pressure cooker. Don’t wait till your retirement to fix your finances. Start today—even with small steps.
And remember: it’s never too late to save smartly, spend wisely, and sleep peacefully. So go ahead—make a cup of tea, open your notebook, and write down your new financial life plan.
Your future self will thank you.
Disclaimer:
The content on this blog is for informational purposes only and does not constitute financial, tax, or legal advice. Please consult a registered professional before making financial decisions.
We are not responsible for any actions taken based on this content.
