Personal Finance
1.2L members •
382 posts
Personal Finance
From penny-pinching to investing, let's talk money moves that would make Warren Buffett proud.
1.2L members •
382 posts
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a sales executive
4w
Net worth 30cr
I have a high-paying job, solid investments, and I’ve been quietly compounding for years. But I live in the same 1BHK, wear basic clothes, take autos over Ubers, and never fle...
more
a pharmacist
3w (edited)
Parents took loans without asking!
My parents took out loans for a tractor (7 lacs, no trolley), land (7 lacs), and a borewell (1.4 lacs). My dad earns around 50k, and I make 1.3 lacs but live paycheck to paych...
more
permylastemail
3w
A Team Lead
When my first salary came in, 50k take-home
I wondered if saving was even possible. Spent: Rent ₹12k Food ₹8k Netflix & travel ₹3.2k Emergency ₹2k Saved the rest ₹24.8k: ₹10k in SIPs (ELSS, large-cap, mid-cap, gold ET...
more
a senior executive
1mo
Flatmate Issues - Need Advice!
My flatmate earns 20LPA, but I'm at 12LPA. They're always planning expensive weekends, and I can't always join due to budget. They make me feel guilty when I don't. Should ...
more
an executive
1w
Is a 25lpa salary really “rich” anymore?
On paper, it sounds like a dream 25 lakhs per annum. But after taxes, rent in metros, EMIs, family support, and lifestyle inflation, how much are you really “keeping”? We gla...
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a client servicing executive
3w
You don’t need a huge salary to be happy
Met an old college friend after ages. He graduated in 2019, didn’t get a great job, and took up a 20K customer service role due to family responsibilities. Two years later, h...
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kartavyakabulava
1mo
works at
Is a 26L car too much on my 3L salary?
I'm 25, single, living in Mumbai with family. my commute to work is 2 hours each way (longer in the monsoon!). I make around 3L per month, with growth potential. I'm eyeing a...
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kartavyakabulava
6d
works at
a content writer
1mo
I earn more than my husband now… but m not sure I want to pay more of our shared bills. What would you do?
My husband and I have been together for a while five years married, even lived together before that. We've always earned about the same, so splitting expenses 50-50 made sense...
more
cigerrateaddict
1mo
works at
ITR filing for FY 2024-25 is open!
Just filed mine! Quick reminder for everyone to get yours done ASAP :)
kaamsekaam
2w
works at
How to invest 1 lakh today for my child’s future 18 years later?
I’ve set aside 1 lakh for my baby and want to invest it wisely something long-term that I can give him when he turns 18. Ideally, I want to just invest it and not worry about...
more
toobluntforu
2d
works at
70 LPA is the new middle class?
Do you feel the same? Or does this math surprise you?
cigerrateaddict
1mo
works at
iPhone dreams on a 60K salary, worth it?
I'm making 60K a month freelancing, m 29, and single. Got 20 lakhs saved up across fds and mutual funds. Thinking about grabbing an iPhone with flipkart axis credit card's n...
more
dhoklakhaega
1w
works at
EMI or Rent? Big decision pending
Thinking of buying a flat in pune… rent is 30k right now but i found a flat for 80L and i’m planning full loan. just wondering if it’s a smart move or not... coz 80L ka loan ...
more
chrispbacon
2w
An Assistant Manager
My FD Outperformed My Friend’s SIP
Last year, I went against advice and put ₹1.5L in a small finance bank FD at 8.5%. My friend put the same amount in a SIP. One year later, I quietly earned more. Yes, SIPs win...
more
coolestbheja
6d
works at
How to track personal expenses
I'm a 22 year old it professional just starting out. My salary is less so I have to keep track of my spendings.can you guys help me to do it in the best way.
a client servicing executive
6d (edited)
creativeseagull
1w
student at
testinguniversity
Money talks at home: Husband's got opinions!
Nobody can tell me how to spend the money I work hard for, but I need to manage it better. Had a chat with my husband about finances yesterday. I mentioned I barely had ₹500 ...
more
veganbob
1w
works at
My maid is richer than me.
She owns a house. Two actually. No loans. No EMIs. Just solid real estate built over 15 years of saving from cash jobs. Me? I have a MacBook on EMI, a Spotify subscription, a...
more
permylastemail
3d
A Team Lead
The month end struggle
Salary came in. I paid rent, cleared EMIs, bought groceries, and covered one unexpected expense. Now I’m left with barely enough to get through the month. Every plan feels lik...
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a data analyst
1mo
Kharche nhi nikl rahe😔
Heyyy I live in pg and m job kar raha hu but mere kharche m hi meri poori salary nikal jaati hai, mujhe salary bht kam mil rahi hau suggest kro what should i do? Is anyone f...
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a digital marketer
1w
One flat after another...couples show off nowadays!
I dread weekend visits to my friend's place. It's just a constant Showoff of their new stuff, acting like they're living the high life in their fancy flats. They just bough...
more
a deputy manager
3w
Buying a home in India’s top cities is turning into a lifelong goal...
Even if you're in the top 5% of earners! According to NHB data, the richest urban families in cities like Mumbai, Gurugram, and Bhubaneswar would need to save for 30 to 60+ ...
more
a software developer
1mo
timepasstiwari
1mo
A Digital Markter
No apps, no investments. Just discipline.
Most of us in our 20s and 30s are able to live a fairly comfortable life today cz our parents quietly took on the load behind the scenes. We r out here using apps for budgeti...
more
a data analyst
1w
SBI NFO
Have you guys heard about new Sbi NFO ? I've started my Sip kyuki isme return bht accha aane wala hai, its Sbi 100 nifty fund How many of you jisne aaj tak investment shur...
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an executive
3h
One good salary can’t save you but one emergency fund can.
Earning well doesn't mean you're financially stable. So many of us are one layoff away from panic mode because we never built a savings buffer. That’s the harsh truth. Start ...
more
a sales executive
1w
I didn’t learn wealth, I learned survival
Growing up, money meant one thing: don’t waste it. We cut toothpaste tubes open. Reused gift wrap. Ordered water instead of Coke at restaurants. Not because we were poor. But...
more
a team lead
1mo
Broke at the Start of the Month
I used to joke about being broke end of the month. Now I’m broke on the 3rd. Why? Weekend splurge “Treat yourself” meals That one sale I didn’t need but what the hell T...
more
a digital marketer
3w
Need Advice- Why CIBIL score matter?
Hey everyone, I recently joined my first job and after 2 months of salary, I felt like rewarding myself............... so I thought of getting the new iPhone 16 Pro on EMI. B...
more
an executive
2w (edited)
CTC: ₹18 LPA. In Hand: ₹95,672. Peace of Mind: 0
You get your offer letter and see ₹18 LPA. Everyone claps. You feel like you’ve “made it.” And then the first salary hits your account and you're checking if HR deducted EMI f...
more
hoofhearted
2w
A Senior Software Engineer
What are people on LinkedIn high on ??
Your CTC is ₹18L. You feel good. You feel adult. Until you do the math. What hits your account after taxes, PF, and "performance-linked" fairy dust? ₹12L. Actual money you se...
more
a senior manager
5d
Why does Ind Money need access to all the email messages in the signup email?
This is utterly unethical practice by Ind Money!! To verify OTP, they try to gain access to all your emails in Gmail permanently. I almost gave them access before realising th...
more
a consultant
1w
Rent vs. Salary in Tier-1 Cities: What % are you paying?
How much of your in-hand salary goes towards rent if you're single or married and living in a Tier-1 city like Delhi, Gurgaon, Bangalore, or Hyderabad?
a data analyst
4w
Oswal Pumps IPO
Have you applied for it?
Mereko toh milgya
Baaki kya lagta hai GMP kitni jaane wali hai?
an executive
3w
I earn decently, but my savings are still embarrassing
I used to think once I crossed a certain salary, money stress would vanish. I hit that number last year and nothing changed. Rent, subscriptions, Zomato, random Amazon stuff,m...
more
a digital marketer
1w
What do you think of making saving 20% of salary mandatory?
kartavyakabulava
1w
works at
What’s one small financial habit you wish you had started sooner?
For me? Just sitting down for regular “money dates.” Not the stressful kind where you're panicking over expenses More like slowing down, looking at where my money’s going, an...
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a senior manager
5d
Financial advise
I got hired in a company and they offered me around 3x time salary compared to my previous organization. I don't know how to manage finance effectively. Please share your best...
more
toobluntforu
1mo
works at
Is tech really the only way to do well financially?
Because honestly, every other post feels like the same story “Working in tech for 5 years, living in bangalore, earning 40L+.” It’s like a copy paste template at this point ...
more
a senior manager
1d
The hellhole cycle of living in metros
Ever noticed how Delhi, Bangalore and Mumbai etc—our so-called metros—always lowest in livability and affordability rankings?. Think about it: the big builders and real-estat...
more
gurugrind
2w
An Assistant Manager
I bought my parents their dream car. Now EMI is drowning me and I don’t know what to do.
Last year during Diwali I gifted my parents a car. Their dream car. The smile on their face was something else. They’d always wanted one, but never bought it because they didn...
more
modiji
2w
works at
Paison se dosti karna seekh raha hoon 💸📈
Pehle lagta tha savings sirf bachat ka naam hai, par jab khud kamana shuru kiya toh samjha personal finance = freedom + future. EMI, SIP, emergency fund sab ek ek step hai sm...
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dadiji
3w
works at
Lowkey regret not starting a YouTube channel in 2020😅
Some of my friends started channels, pages, portfolios during lockdown. Now they’re getting passive income, freelance gigs, even job offers through that. Meanwhile I was just...
more
a software engineer
4w
28 LPA & Still Renting—Time to Buy a House?
I’m 29, a software engineer making around 28 LPA. I've saved ₹25 lakhs but haven't bought a house yet. Currently: • ₹19k car EMI • ₹27k rent • ₹20–25k monthly expenses • No ...
more
an executive
3d
I used to think I had money. Turns out, I just had a salary.
There’s a big difference. Salary comes in once a month. Money is what’s left after rent, bills, random weekend plans, and those late-night food orders. Mine disappears by mid-...
more
an executive
4w
Rent – 20K
Groceries + Zomato – 15K
Commute + Gym + Subscriptions – 10K
Savings? What savings?
No EMIs, no dependents. Still broke.
Anyone actually surviving on 50–60K? How?
Living on a Rs. 60K Salary in a Metro, Is It Even Doable Anymore?
Barely surviving
side income saves me
Need a better job ASAP
17 participants
.
poll closed
an operations manager
1mo
90% of My Salary Goes to Loans: Is There a Way Back?
It's been years since I've been struggling with my finances. Excessive use of credit cards and unnecessary spending during my teenage years have led me to a heavy debt burden ...
more
an executive
3w
Earning ₹30K. How Do People Even Manage to Save or Invest?
Ngl, I earn around Rs.32K and most months I’m just trying to make it till the end without borrowing. Rent, groceries, commute, it all adds up so fast. Some days I genuinely wo...
more
a senior executive
1mo (edited)
What are your retirement plans?
Are you saving from your personal kharchas (Finances)? We talk a lot about monthly salaries, promotions, and side hustles... But what about life after the job? I will date al...
more
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