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Personal Finance Planning

Today I will be telling you about some important financial instruments and how to enroll for them. Experts tip for investment is that invest first and spend later. If you drawing some money from any source and want to save money for future then definitely follow this advice. First, divide your money into 3 parts Emergency funds- This is the fund which will help you get settled in case your main source of income is lost. it should be at least equal to 6 months of your earning. Regular expenses- You are living your life for the while and you know how much you need monthly.  Saving or Investments. You should save at least 20% of your monthly income. Add in your saving first and then spend your money. Here are some financial instruments. PPF:  You could save up to 1.5lac per year and it is covered under 80c. Your money is locked for at least 5 year and complete withdrawal is permitted only after 15years. Partial withdrawal is allowed af...
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Never sit idle

Folks ! Today I will tell you some tips how to utilize your time effectively. There may be some instances in everybody life when we have idle time and we don't know what to do or how to spend time? Try using any of the things mentioned here. Ask yourself 3 Questions? Don't spend much time in thinking. If you can write down your goals on paper then it will be very helpful. Do you have any short term goals or long term? Are you willing to move out of your comfort zone? Do you really have time to invest somewhere? If you can come up with your goals and a workable plan against them. Then it well and good. Try to build a strategy on how you will spend your time on achieving your goals. If you are not sure what you should do then here are few things to try on. Here are 10  things which can help you do utilize your time by developing/learning a new skill. Start a YouTube channel. Make sure to read some do and don't before starting any channel. Learn about persona...
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