justme12345678910
New member
I’m 23(M), graduated in Jun 2022 with an average package of (7.5lpa)
Current take home - 60k in hand, no taxes(old regime)
Mf - 1 lakh currently(40k elss) sip for 15k pm
Fds - 35k
P2P lending platforms - 1.25 lacs(not putting more than that)(12% returns)
Money lent to roommate - 80k(he has around 10 lacs in fd which he got from crypto, will be returning around may)
Money given for family business -50k
Rent - 6k
Food + clothing + bills(me and girlfriend) - 15-20k(nagpur is expensive and I’m a foodie)
Watch - 13k
iPhone - 65k
Synthesiser -24k
Headphones - 18k(big musicophile and use them everyday- worth it even if overpayed)
With this all, I’ve been getting anxious lately that I’m not saving enough. I’ve cut in on spends. But on the other hand I have moments when I think ki paisa to kama lenge aur hence the monthly expense reaches 15-20k sometimes 25k.
I wanted an opinion on how good/bad my financing is. Am I at a bad place financially, how can I better manage the upcoming salaries. And any other thing that you thought of while reading through all of this.
Love this community, helped me raise financial awareness.
Edit : 57k pa Lic
Current take home - 60k in hand, no taxes(old regime)
Mf - 1 lakh currently(40k elss) sip for 15k pm
Fds - 35k
P2P lending platforms - 1.25 lacs(not putting more than that)(12% returns)
Money lent to roommate - 80k(he has around 10 lacs in fd which he got from crypto, will be returning around may)
Money given for family business -50k
Rent - 6k
Food + clothing + bills(me and girlfriend) - 15-20k(nagpur is expensive and I’m a foodie)
Watch - 13k
iPhone - 65k
Synthesiser -24k
Headphones - 18k(big musicophile and use them everyday- worth it even if overpayed)
With this all, I’ve been getting anxious lately that I’m not saving enough. I’ve cut in on spends. But on the other hand I have moments when I think ki paisa to kama lenge aur hence the monthly expense reaches 15-20k sometimes 25k.
I wanted an opinion on how good/bad my financing is. Am I at a bad place financially, how can I better manage the upcoming salaries. And any other thing that you thought of while reading through all of this.
Love this community, helped me raise financial awareness.
Edit : 57k pa Lic