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@astroblema Yeah it's when we weren't able to save we had to look into all the details. We were putting about 30k into savings account thinking we had that, but school fees or travel expenses or health insurance would come and empty it. I think we need to strictly put a lot more money into...

@joseph36 She comes in the morning only. She doesn't have time for the evening. We don't cook dinner in the morning as it feels wrong to have stale food. The grandmother wants freshly cooked food.

@lazyitis Vadodara. Yeah we never ended up saving money. We would save and then something would come up and it's gone. We need to make a few changes to the lifestyle to get future proof.

@nzgrills The grandmother prefers fresh food. I think its time to convince her to accept frozen food.(I am sure many restaurants we order from also freeze food)

@mrdean36 The maid comes in the morning. The thought of making dinner in the morning feels wrong. Feels like stale food. The grandparent wants fresh food.

@mpm163 Yeah we took those swiggy and Zomato expenses casually. They add up quickly. Just spent ₹755 on swiggy for today's dinner. I got late from work and can't cook now. I'll discuss with the whole family on how these add up.

@mpm163 Lol Bread eggs milk paneer dahi vegetables corn flakes dal atta oil etc etc. We eat about 4 eggs a day. Nuts fruits also in this. All is about ₹18,000/- Apart from this ₹7,000 was swiggy and Zomato (icecream cookies and idli etc) And ₹6,000/- eating out. I think yeh sabzi wala loot...

@resjudicata The main reason to do this was that we thought we were saving a lot, but the savings were close to non-existent. So this shows me where the money goes. Even if Netflix is not important, eliminating it won't save much. The main expense (30%) is on food. I didn't think it would be...

@sherrick0915 We are using things like cold press oil, chhia seeds etc. But, as you pointed out, I will have to look at the most expensive items and check if we need it or if we can do it cheaper.

@daveautumn2 Basic food groceries - ₹18,000/- Food delivery-₹7,000 Eating out - ₹6,000/-

We are a 1 daughter, one grandparent household. We live in a Tier 2 city. After noting down ALL our expenses for the past 4 months, this is what we got: Monthly Expenses(some quarterly and annual expenses are divided to get this)- FOOD: 31,000 (includes groceries+takeout+dining out) Petrol...

@mydonspace arbitrage fund is much lower returns and will attract 10% LTGC

@brucepjr WHAT?!?!? can someone verify this?

@consolatio I thought ELSS returns are taxable. It isnt like PPF which is Exempt Exempt Exempt.