Hi, my name is Tushar and I am a personal finance enthusiast who loves to talk about money, savings, investments and spending. I blog about financial wisdom and income growth habits on this blog.
Remember, this is not a “make me rich advise” type of blog. If you are looking for some stock tips or mutual fund advise, this is not the blog for you.
But if you want to learn about the larger aspects of how to live a financially disciplined life, grow your net worth over time and eventually attaining financial freedom, this blog is definitely for you.
My objective is to educate you on the simple but important financial lessons of life,
All my writings are a result of my 10 years of active involvement n managing my finances and spending habits.
10 years back, I was just like you (or most of you).
Out of college and earning around 25,000 per month as my first salary, with not much idea of how to spend, save or invest that money.
Life is all fun when you move from a pocket money of few hundreds to a salary of few thousands.
Luckily, I had a sister to hold my hand and show me how to live a financially disciplined life.
Coupled with my curiosity to understand complex things and breaking them into simpler components, I was able to learn and experiment with multiple financial habits and gaining a good understanding of the subject.
Let me tell you something about my financial success:-
- I invested in my first stock when I was 22 years old.
- I have been consistently investing in mutual funds for the last 10 years now.
- All along, I achieved umpteen number of long term and short term financial goals (MBA education, my first car, my first foreign trip, marriage, vacations etc. to name a few). No doubt my investments in stocks and mutual funds helped in achieving the goals.
- Switched from a high paying job in Gurgaon (with McKinsey & Company) to a high risk & lesser pay job with a startup in Chandigarh (Jugnoo & Kays Harbor). Idea was to have more time for self and a peaceful living environment.
- Since then, I have started 4 side businesses and made money in 3 of them (and 2 are still active – Preper and TheInterviewBrigade).
- I owe 0 (yes, a big ZERO) in liabilities & loans (part of it is luck, part of it is financial planning)
It’s just strong willpower, pure discipline, delayed gratification, lots of hard work and an always open attitude towards learning.
Purpose of this blog
We at school are compulsory taught mathematics and science but not accountancy.
Since childhood, our education system is focused on teaching us how to earn money but not how to spend it gracefully.
We are so much focused on instant gratification that we forget the importance of savings and investments.
For us tax saving means LIC policies. The list is endless.
If you relate to these thoughts, accept that you have some way to go as far as healthy financial habits are concerned.
Whether you are 25 or 52, it’s never too late to learn about money.Remember, balancing your money is the key to having enough. Click To Tweet And money, like emotions, is something that must be controlled to keep your life on track. Click To Tweet While money is not the end, it is definitely a means to the end. Click To Tweet
The purpose of this blog is to help you improve your financial literacy.
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