So we begin our Diwali break, hearing umpteen numbers of times,
the songs of latest Bollywood romantic drama (if I may say so) and undivided
paternal love. It's all about relations and love. Love makes someone jump from cliffs,
mountains and for some sing from bridges. Why can't we do normal things in love?
Why do we do want best for our family-best school, best car, holiday or even
best life partner? Each and every decision we make for these things are done
with lot of contemplation and advise from our previous experiences. We
sometimes know what we are doing is wrong but yet do it, because we think there
is no harm in trying it. So be it shopping online for your Diwali clothes or
buying your 1st I-phone from a stranger on OLX. We are ready to take a
chance. What is the motivation here? Is it money savings or comfort of
home to buy from or is it the previous bitter experience that makes us try new
paths?
Kya Ye Sahi
Nahi…..
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Why are we
not willing to get this flexibility in our personal finances? Why do we still
want to invest in fixed deposits even when the interest rates are falling?
Why do we feel socially low to take a loan instead of breaking our built
assets? What stops us from trying mutual funds now if we once lost our money
in it? Why is real estate transactions still are our favorite? Why do
we not ask questions to our banks on loan rates? We bargain all our deals,
why do we not bargain on brokerage rates? We download myntra, amazon app but
why can't we follow some budget on Google sheets? When your insurance
agent sends you new investment plan why don't you ask him his commission rate IRDA mandates all agents and brokers to make
public such information. When was the last time you checked how your bank
interest is calculated? Do you know how many charges your bank levies on
you? You have every right to go and ask the breakup of your utility bills?
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Why so many small things are just are left unanswered by
us as just another moment delay? Every moment a fraction of time lost can give
a loss more than millions of rupees together. So let us together pledge on this New Year to leave back all our
laziness, useless explanation and give back to our family - the best they
deserve.
Plan for
your family financial goals bring them happiness and security together. Let
Saarthi be a part of your planning. Contact us today for your customized financial
plan at saarthifp@gmail.com.
Wishing You a very Happy New Year
Regards
Saarthi Financial Planners
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