HOW TO SAVE MONEY

[Fish]

13 minutes ago, battu said:

a penny saved is 2 pennys earned.. jagarthaga karchupettuko... Costly vi emaina kontunnappudu 48 hrs think chesi tharuvatha kuda konali anipisthe konu...

Don't get in to debts or use credit cards...

Try live below your means... salary lo 35-45% save chesi migilina dhanilo karchupettuko...

Cars change cheyyaku.. atleast 12-13 yrs vadataniki prepare avvu...

[vendettaa]

15 minutes ago, battu said:

a penny saved is 2 pennys earned.. jagarthaga karchupettuko... Costly vi emaina kontunnappudu 48 hrs think chesi tharuvatha kuda konali anipisthe konu...

Don't get in to debts or use credit cards...

Try live below your means... salary lo 35-45% save chesi migilina dhanilo karchupettuko...

Cars change cheyyaku.. atleast 12-13 yrs vadataniki prepare avvu...

Credit cards use cheyodda?

[Ara_Tenkai]

16 minutes ago, battu said:

a penny saved is 2 pennys earned.. jagarthaga karchupettuko... Costly vi emaina kontunnappudu 48 hrs think chesi tharuvatha kuda konali anipisthe konu...

Don't get in to debts or use credit cards...

Try live below your means... salary lo 35-45% save chesi migilina dhanilo karchupettuko...

Cars change cheyyaku.. atleast 12-13 yrs vadataniki prepare avvu...

bro salary lo 45% save avudda??? na salary lo sagam na apt rente pothundi.... i live in a metropolitan city...

[dakumangalsingh]

2 minutes ago, Ara_Tenkai said:

bro salary lo 45% save avudda??? na salary lo sagam na apt rente pothundi.... i live in a metropolitan city...

Married aithe sad condition but unmarried aithe try to have a roomie to get the expenses down.

[Kool_SRG]

1 hour ago, soodhilodaaram said:

1. office lo sugar, tea, sugar free packets, tissue paper kotteste no buying for home

2. friends to starbucks vellinapudu..correst time nee order cheppesi toilet ki vellali.. or say wallet is in car

3. enjoy cheyalani undi colleagues/friends to happy hour or buffets ki vellina dont pay.. correst time ki toilet or hand cleaning

4. shopping ki only 1 time per week vellali

5. dont get costco/amazon membership as you tend to spend more

6. lunch box/breakfast allways from home, just say for health reasons to others if they ever ask you to join outside

7. setup a target savings based on reasonable expectations of both you and your wife.. stick to that.. both should not deviate unless emergency

 

ippatiki ive.. will post more as they flow

 

the ones with  are specifically for witch employees who earn in US and live their life in India

 

 

 

 

 

 

[Ara_Tenkai]

13 minutes ago, dakumangalsingh said:

Married aithe sad condition but unmarried aithe try to have a roomie to get the expenses down.

married with kid...

[battu]

25 minutes ago, Ara_Tenkai said:

bro salary lo 45% save avudda??? na salary lo sagam na apt rente pothundi.... i live in a metropolitan city...

 

22 minutes ago, dakumangalsingh said:

Married aithe sad condition but unmarried aithe try to have a roomie to get the expenses down.

Kochem kastame...aa bar ni adjust chesukovachu.. 25% or so.. but think hypothetical question iundochu.. government taxes 10% penchindhanuko nuvvu sachinattu kadathav kadha.. so alage neeku 20-30% tax nuvve vesuko..savings lo pettuko..(From Tony Robbins)

also try to use Acrons (investing app: starting lo antha exciting undadhu but as money grows ) you will start enjoying it..try setting up monthly recurring deposit atleast $100 a month..

https://acorns.com/invite/8FG3PM

 

Tony Robbins video: (Story of UPS employee who never made more than 14k in a year saved 70 million by the time he retired)

 

[Selfgoal]

1 hour ago, JANASENA said:

manalo chala mandi single income vallu unnaru and double income vallu kooda unnaru. meeru money save cheyyadaniki vaade tips and tricks konchem maaku cheppandi. It will be very useful for all of us. 

 

Pmed 

[battu]

22 minutes ago, vendettaa said:

Credit cards use cheyodda?

Yea Bro.. idhivaraku nenu kuda Cash evaru carry chestharu.. cash ithe padesukuntam .. adhi idhi ani.. Cards vade vadini...

Credit cards ithe usually you tend spend 70% more.. and edhi enthaku kontunnamo price kuda chudam...Cash ithe entha spend chesthunnam and prices entha you can keep track. And most restaurants (Indian restaurants)/ Services give you 10% discount when you pay by cash..

[dakumangalsingh]

3 minutes ago, Selfgoal said:

Pmed 

Pm pls  

[dewarist]

Its not your income that make you rich/poor, its your habits that determine that - said by unknown

[daddojanam]

read Robert Kiyosaki's Rich Dad Poor Dad

[mmharshaa]

1 hour ago, JANASENA said:

manalo chala mandi single income vallu unnaru and double income vallu kooda unnaru. meeru money save cheyyadaniki vaade tips and tricks konchem maaku cheppandi. It will be very useful for all of us. 

 

1. Dont buy car unless really required, use pooling/public transport or make someone in your office and close to home as frnd to daily pick/drop; car will save good money away from monthly insurance. If you have to do go on trips for vacation, pair up with frns

2. Groceries ki vellinappudu try to walk to the store if within 2 miles (return by cab) , health benefit + $ saving for cab; or pair with someone in neighbourhood

3. Buy items required in home from move sales, or ppl going to india, they sell for very less cost compared to the actual price

4. Dont miss offers, like thanksgiving day sales...if you want to save even 1 penny, then look for promotions like some automobile showrooms give to test drive a car and get a gift card of 50$...etc...etc...

5. Limit your eating out for once/max twice a month and mostly cook food at home.

......These are all for saving money...but to make more money...there is other side...

1. Exchange your $$$ to rupees when the exchange rate is crazily good...wait for it...like today's rate...

2. Once converted, invest in land/mutual fund - SIP or atleast FD or some  kind of investment, NEVER leave it in bank account, it is the most useless thing to do..

That's all I have for now

[daddojanam]

37 minutes ago, vendettaa said:

Credit cards use cheyodda?

wrong! credit card ni wise ga use cheste points/cashback roopamlo benefit untundi and also it will benefit your credit score for your mortgage and carloans

[Kool_SRG]

13 minutes ago, dewarist said:

Its not your income that make you rich/poor, its your habits that determine that - said by unknown