HOW TO SAVE MONEY

[Kool_SRG]

17 minutes ago, battu said:

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..

Thats where self control picture loki vasthadi... Nuvvu kattagalige limit lo karchupetukoni bill kadithe CC is very beneficial...

 

3 minutes ago, daddojanam said:

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

[Guest]

invest in real estate, buy a house if you are renting( depending on where you live and your rent) and just buy what you need, buy decent used car 

[vendettaa]

46 minutes ago, battu said:

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..

Cc use cheydam best kani limited usage and timeki bills pay cheyali

i get cash back and rewards too esp American Express 

[soodhilodaaram]

2 hours ago, Yaman02 said:

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

ayyo ala nariki champesarenti 👌saar?  👌

champadaaniki kaadu.. it was meant to just convey the message that when one lives in US, live like an american..pratidi india lo savings to compare chesi chodoa kodadu

i know people who get groceries from india if they have extra baggage

[soodhilodaaram]

38 minutes ago, Guest said:

invest in real estate, buy a house if you are renting( depending on where you live and your rent) and just buy what you need, buy decent used car 

house is definately not an investment but a burden for a single paycheck family

what you save in rent ends up towards taxes and maintenance and depreciation

we are no longer in the appreciation economy for housing

[daddojanam]

56 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...

agreed

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

Wrong! Debt can be used to your advantage.  Successful business people chesindi adhe.

 ✔️Try live below your means... salary lo 35-45% save chesi migilina dhanilo karchupettuko...
Agreed. Instead of making money sit in the bank, focus on investing. Dollar is constantly losing it's value.

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

 

 

[pillirevanth]

3 hours ago, Ara_Tenkai said:

use mint app. by the end of each month sit and think how and where to reduce costs.

Dont spend anything that is unnecessary even if it is a 1$. 

Dont waste food, that will save planet and your pocket...

Good post @Ara_Tenkai very much valuable .

[idibezwada]

1 hour ago, daddojanam said:

read Robert Kiyosaki's Rich Dad Poor Dad

matterless book adi...i didn't learn anything from it

[JANASENA]

46 minutes ago, soodhilodaaram said:

house is definately not an investment but a burden for a single paycheck family

what you save in rent ends up towards taxes and maintenance and depreciation

we are no longer in the appreciation economy for housing

2

can you pls explain this? coz

I bought a house in 2015 and now my house appreciated around 13%. 

[idibezwada]

1 hour ago, mmharshaa said:

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

yes...also dont use clothes...try newspaper..

[JANASENA]

2 minutes ago, idibezwada said:

yes...also dont use clothes...try newspaper..

[Don_Draper]

1 hour ago, daddojanam said:

read Robert Kiyosaki's Rich Dad Poor Dad

Yo! Although its a decent book I think baaney phekindu.. Ala andarki anni times workout kaadu. Mottam diwala kuda testaru, at the same time click kuda avochu..

[Don_Draper]

2 hours ago, dewarist said:

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

Yeah true!

[Don_Draper]

22 minutes ago, idibezwada said:

yes...also dont use clothes...try newspaper..

Into the wild movie laga jungle LA ellipovachu appudu no earning no saving no threads no afdb

[Don_Draper]

26 minutes ago, idibezwada said:

matterless book adi...i didn't learn anything from it

I just learnt invest cheyyali ani kani dani fallouts em cheppakey mottam chamak chamak untadi..