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Hello? Yes? Mom? Yes, what happened? Uh, actually… So, you're out of money already? Actually, yes, because it's close to the end of the month… So, I was wondering if you could send some… Man, I'm so hungry. No, Srishti. Don't give in. Don't order in again. It's a Saturday afternoon. Just get some groceries. Anyway you need to save money. They have chocolate spread! At least when I get hungry in the evenings, I won't be tempted to order sandwich from Guptaji. I'll get my own from my home. I should get some instant noodles for late night cravings. There's a 10% discount on avocados! This is it, Srishti. Your journey as a master chef begins here. Guacamole and responsibility, both! Wow! Oh no, that's a lot. Should I take something out? But I do want everything, and I'll use it all, I promise. Okay, just this once — treat yourself! I deserve this today. I've had such a shitty morning. I'm going through so much. Seven rickshaws refused to take me today. I deserve this ice cream. How can he just leave me like this, man? Hey! This lipstick is so cheap! You know what… I'm going to wear this lipstick and win this breakup. Okay Srishti, we're leaving. What are you up to? I'm also leaving. The train is going to be so crowded now. If you're so tired, take a rickshaw or a cab na? No man, it's too expensive. It's raining outside, and you've got your laptop. Don't take a risk, book the cab. You're actually right. Okay, I'll book a cab. Man, it's already so late, and the train will be crowded again today. Okay, so today I'll take a cab, and then tomorrow, I'll walk to the station. Exercise and saving money! Wow, you're such an adult, Srishti! It was 250 last time. It's so less this time, in comparison. I'm practically saving money on this. This is over already? Urgh, I'll have to go out and order another one. Oh man, they're having a sale! No, no, no, no, no, no, no. Just put your facewash in the cart and get out of here. Just get lost, man. I don't want to pay for shipping. Okay, now get into the wishlist and look for the cheapest thing. Why am I like this? Not a single thing in this wishlist is below 200 rupees. Mmhmm this nail polish is cute. And it's exactly 50 rupees, all the stars have aligned, okay done, I'm getting it. But, which colour do I get? Both these colours are cute. Should I just get both? Ya, come on, I can manage 100 rupees. Oh, there's 40% off on the entire brand? I'm just going to look. I'm just going to look. Window-shopping, I promise. Okay so, that means no shopping next month, and I feel, no more ordering in this month, either. Mom? What happened? Uh, actually… So, you're out of money already? Actually, yes, because it's close to the end of the month… So, I was wondering if you could send me some… This is not done. If we didn't have the money now, how would we have given it to you? No, you're right. — No, you're right. — Where's your sense of responsibility? No, yes, thank you. — No, yes, thank you. — Okay, enough thanking me, how much do you need? F…f…Seven thousand.
Here are the 5 easy tips to save money in 2019. In this video about how to save more money, we will discuss some unique but effective tricks to save more. i am sure you will find these money saving tips useful.
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How To Save Money||Practical Tips For Saving Money is a video on how to save money through practical measures and succeed in life. It has some tips for housewives which will help them to save more.
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Do you always struggle with your monthly financial budget? You may be earning decent but still, be struggling every month with your savings. In this video, you will get to know how to save money, how to increase bank balance and how to be financially free despite having a lot of responsibilities.
Ways to increase bank balance are unending. What you seriously need is a plan and a will to execute it. Only then will you find true worth of this video in which we shared ways to save money that are not at all difficult to follow. You need not follow all the money saving tips, just incorporate those that you feel are doable for you.
This our financial advice in Hindi to you, which will help you increase your bank balance and save more money in the future. You have to learn the art of financial management to have a financially secure future ahead. You should plan your retirement, kids education, household expenses, financial planning is the key to create wealth. Your answer to “how to make more money?” is saving and investment. Learn and apply from this motivational advice.
Here is the summary of 8 habits,
Habit #8 No Credit
Credit is simply a rattrap hidden behind a bed of roses. Most of us, at some or the other point in our life, have fallen into the trap of taking credit to fulfill our monetary needs. From family members to friends, from colleagues to vendors that we closely work with, credit is a monetary tool which must be used only when it is absolutely necessary and not otherwise. Most of us instantly choose to use the instrument of credit failing to realize that we might not be in a position to repay it on time.
Habit #7 Maintain your Accounts
While it may seem like a cumbersome job at first, but maintaining your accounts is the wisest way to get hold of your finances and monitor them closely. Often we end up spending more than we save and push ourselves in a situation of monetary imbalance. The sole reason as to why we end up in this situation is because of our lack of accounting. When you maintain an account of your incomes and expenses, you will not only become watchful of what you spend but you will also be amazed at the wonders it does in terms of saving.
Habit #6 Leave Bad Habits
A wise person has rightly said, no one can harm us more than we can harm ourselves. Imagine spending a sum of Rs. 50 every day, this daily expenditure which seems like a petty amount totals up to Rs. 1500 every month. This is the approximate amount that a person spends on injurious habits like smoking, alcohol or taking drugs. If you choose to give up a bad habit, it will not only be easy on your pocket but it will also help you in maintaining your health and increasing your life’s longevity.
Habit #5 Records
Apart from maintaining accounts, there is one more significant step that every person must necessarily follow for financial independence. This step is the maintenance of records. By records, we mean the different legal and formal documents of importance that every citizen of India is bound to maintain by law.
Habit #4 Save and Invest
Investing is an art that every person needs to know in order to be financially stable in life. Savings on the other hand form the base of investments. In order to invest, it is but obvious that you need to start saving a part of what you earn. Investing in the right practices will help you gain beneficial returns in the long term. If you begin investing early, you will have ample savings for yourself and your family, years down the line.
Habit #3 Buy in bulk
Why spend more on things that we already know we will keep on needing? The habit of buying in bulk is particularly useful when it comes to purchasing necessities. Why pay the full price for a bag of rice when you know that you will need it again for the next month? In situations like these, the concept of bulk buying comes into play. Quantities of Purchase and Price have an inverse relationship.
#2 Save your health
We spend a major chunk of our lives trying to earn as much as we can without giving any due importance to our physical and mental health. It is imperative to understand the simple fact that we will be able to fulfill our financial dreams only when we pay due attention to our health and wellness.
#1 Never Stop Learning
The biggest multimillionaires in the world are the ones who never stop learning. If you want to become someone like Warren Buffet or Bill Gates, you need to keep adapting to changes and learn to be dynamic, just like they are.
This was the episode 2 in the series of The Career Advisor.
Hello Friends, We all want to take full care of our parents, our family, and Children. When Children Demand Something, We don't have to say No, just because of monetary reasons We all want a good bank balance, a safe and secured life. If you are suffering from money-related issues, then this video is for you. This is episode 2 of our career advisor series and we will be talking about 8 Habits to to save Money In this video i'll be really practical I'll Not throw big words such as leave your job, Change though process, Change communication, Learn English or Learn Programming. I'll tell you 8 simple habits, which can change financial condition of every employee, businessmen, housewife or student and it is not necessary to adopt all these 8 habits, Even if you adopt 1 or 2, I guarantee that you will start to see change in your life I am Rishabh Jain, Startup Founder, Labour Law Consultant to 500+ Companies Ok, So let's discuss 8 habits to improve your Bank Balance. Dont forget to subscribe and press the bell icon, So, Number 8 Rules is NO CREDIT One former employee in my company, Who was on a good position and good salary, But his lifestyle was such that he used to spend money faster then he earned, In the first month, his money got over on 25th and he demanded advance from the company We obliged and paid advance, He gave word to deduct the advance in next month's salary. Since he spent all his salary in 25 days, How without a significant change, money can survive for 35 days? Money ran out on 20th and he demanded advance again, After one two times, company also stopped giving advance Then he started taking small loans from friends, colleagues, even chai wala and he was not able to repay in end. Credit is like an addiction, Many TV ads, Apps Claim to give super fast credits and loans. Looking at this ease, we talk ourselves in taking the loan, IF we have taken a loan, we have to repay it, And not just the principal amount, The interest as well. That's why take a loan only when you desperately need it … When you want to buy a house, automobile or start a bus and you have a saving plan in place, If y ou can plan your future saving goals and how to repay the loan, Based on your salary / income And you are confident that based on your plan, you will be able to repay loan with interest. In that case only, take a loan Otherwise 8th rule is NO CREDIT, Be SELF DEPENDENT No. 7 is Accounts Do you know how much rice your household consumes in a month? What was cost per KG of vegetable, last time you went shopping? I sure you will not be able to answer that, Many a time, we over-rely on our memory In those times our brain give us biased reports, We assume that our maximum expense would have been going in head A, but in reality it might have been going in head B I'll share my own example I did not maintain my accounts before, but after advice from my father I started maintaining the same To my surprise, I found out that my significant expenses are going into travel, This i never assumed, So i started reducing my travel bill,took train instead of flight, public transport instead of Uber, and saved a lot So if you maintain your accounts properly and tally it in month end, You will be able to analyze, head-wise expenses and save a lot So number 7 is MAINTAIN YOUR ACCOUNTS No 6 leave bad habits, Bad habits are called bad because of a reason, Lets's do a quick maths, If you save 50 rs a day, how much you will save in a month? You will save 1500 in a month, in a year? 18,000/- If you invest this amount yearly in PPF/ Mutual funds with 8 to 10% gain, This will compound to 1.2 Lakh in 5 years, if you invest 18,000 annually ! This is not a small amount, It can be 5-6 times of your salary A cigarette smoker, who smokes 4-5 cigarette a day spends this amount on their addiction / bad habit. May be you have even bigger issue, may be your spending 100 – 200 rs Not only cigarettes there are many more bad habits, alcohol, tea etc. By leaving these habits you not only save money but save your health as well, which is invaluable So quit your bad habits, You will be able to save a lot, No 5 Records Records? What does that mean? I'll ask few questions,, answer them in Yes or No. Did your vehicle or medical insurance ever lapsed? Or you did not find your insurance papers when you were hospitalized or met an accident? Did you forget to take your PF UAN and faced difficulty in the withdrawal of PF amount? you lost a warranty card and paid for the repair of the appliance under warranty? These all problems arise due to poor record keeping My father believes in perfect record keeping, You will proper record keeping will benefit immensely in long run, You need to keep following records, Keep all these records in separate files, Mention important dates of renewal etc on top of file and do the compliance before deadline,, the you will save a lot, Many times we pay late penalty on our electricity and water bills due to poor record keeping, sometimes even connection gets disconnected ! You will be able to save lot of money, insurance and your time if you have good recordkeeping ! I am not just saying to save, but to save and invest Look at this graph 2002 petrol price 33.50 Rs Today it is close to 80 a 100 Rs note which used to purchase 3-liter petrol, can't even do 1.25 today This is called inflation, The money in bank, piggy bank or at home is not safe, Inflation eats it, Reduces it's value, That's why you not only have to save your money But also invest it, You have many options to invest, Invest in any as per your comfort, Try and invest, so that money does not gets eaten away by inflation, But increase with time, Even in investment you keep in mind first to points, Proper Accounting and Proper Recordkeeping So that you can look at these papers in need, There is one more place of investment which we ignore, That is incurence, Health, Car, Prperty insurence etc. This does not give you immidiate return, But save you from disaster in long run, What does this mean? If you are maintaining proper accounts, Then you will know how much you are spending in which commodity? Then only you can take benefit of buy in bulk, A question, What is price of one liter water bottle? 15 to 20 Rs! What is the price of 5 liter can of same company? 50 to 60 Rs 10 liter pack costs, 80 to 100 Rs Higher the quantity, lower the price! So if you know your consumption, stop buying small packs and buy in bulk, You can save on MRP as well as negotiate further with shopkeeper, Since you are purchasing in bulk, he will oblidge and give you further discount from MRP This saving is generally ignoe, You will be surprised to know, For an average household, 40 to 60 % monthly expenses, is spent on consumable items, For food, soap etc Good which are consumed, So if you have proper planning while buying consumables, and you can buy them in right quantity at beginning of month, You can save a lot, For example, if you have weekly estimate of your vegies, You can buy them in the wholesale market, There is very nice quote, Same Quote Explaind It is easy to ignore your health in youth, Excuses like, I don't have time, I don't care, I am so young, All such excuses and arguments, cross our mind ! OMG ! 1000 Rs for Gym ? Yoga ? Aerobics? Why should I spend? These small expenses, will save a lot in long run, IF your body does not support how will you earn ? And even if you earn somehow, what's the point if you can not utilize it / enjoy it? Give time to your healt, Even if that means spending a bit on health, Such as sym membership, Club membership, Swimming, Join some activity, Pay for that activity, Mantain your health at any cost, So let's move on to No. 1 Habit, This will be a strange habit for many, But in my experience, This is the most important, And I am sharing this with you, No. 1 habit is, Look at past few years, Many jobs are obsolete now, Factories have automatic machines in place of line workeres, Data entry operators, typist jobs are reducing, Many programming languages are obsolete, Even agriculture has seen major automation, So today many jobs are reducing but that does not mean that new opportunities are not arising ! Many new jobs are coming Which need new skills, new technology and different learning abilities, In this challenging environment only those will thrive, who will continue to learn. good leaners can adapt better, He will be able to change with changing time, He will not be too worried about loosing a job, He will have alternate means of earning money, In modern times, learning is easy ! Your mobile itself is source of immense information, Many websites teaches courses for free or at nominal fees, Such as, Even youtube, is big source of knowledge. If you explore it beyond funny videos, movies or songs So never stop learning, At labour Law Advisor, We help you in learning new skills. Even if you adapt 1 or 2 habits out of 8, You will start seeing change in your bank balance, If you have any of these habits, share your experience in comments below, If you have any other habits to save money, share those in comments as well ! We will be waiting for your comments and support ! signing off, Rishabh and Mandeep ! Have a good Day !