The two powers of money aka how last year changed us and our approach to money

Money is powerful but not only because it can purchase the necessities. Today we are talking more another the subtle power related to money- the power of being able to say this much is enough. There is an immense comfort in knowing you can throw money at a problem, because you plan for emergencies as we do or you are simply rich. There is similarly a comfort that comes from knowing when the...

Back with a new addition

We have been missing for the blog and mostly everywhere for a long time. Though pure laziness does explain some part of it there were bigger things in play. We were preparing to welcome a new member to our family and the blog was way down in our list of priorities. before I go into the updates part of the post let me introduce you to our daughter. Miss S came into our lives in June this year and...

The months we broke our budget- Expense report October, November 2017

We have been quite good at keeping within or budgets for quite few months prior to this but the Months of October and November saw us zooming past the budget. Thankfully we did not reach the heights of expenses as last year. Let’s dive into what changed in last two months Clothes: I finally broke down and bought myself some clothes. As I have previously written about women’s jeans are the...

Inflation- why we are not that worried.

Inflation and our assumption of inflation at 6% has become one of the major topics of discussion in the comments on our posts. Like we have said before looking at inflation in isolation is wrong and anyone who is worried that inflation since 1991 has been 8% should also realize that NIFTY returns for that period have been 11.7%. Both of these figures are average and being average they do not...

Royally Frugal household still going strong- A much awaited update

  Financial independence for us is the amazing thing which allows you to go with the flow of life. We are far from calling ourselves remotely FI but in resent months I have loved the freedom of not fretting about money or other issues around it while we concentrate on maximizing our careers. Last few months have been far too busy on the work front for us to be able to look closely into our...

Healthcare in Early retirement- our plans

Healthcare is something that has been on my mind for some time now. Today when we are young and earn a decent sum we can probably afford to get sick and pay for some damn expensive treatments. We are also insured through our job, which means till we need over 6L in expenses we will probably be fine. The insurances cover pregnancy and child delivery should we need it. Both sets of parents are well...

Expense Report May 2017- We met our goals

May marks the anniversary of the blog and I have to sadly admit we only shared a little of 20 posts in one year. As I have said ad nauseam, work has kept us pretty busy this past year and we aim to do much better. Our goal to get better covers our investment decisions, consistency, health and definitely our spending. We had stopped publishing expense reports because I thought who wants to know...

How to not bring work home

We work in a job that can get stressful and irritating not because of what is in your job description but due to the people we work with. There is indecision from higher ups, inexperience and incompetence at all levels and then there are people who expect you to hold their hands as they do their jobs. Before we go ahead let me say this, neither one of us is a saint and we are incompetent to take...

Saving Money- How we cut spending?

We have been trying consciously to reduce our consumption and expenses. Surprisingly the easiest area to cut was the kitchen. Utilities, rent and maintenance of other moving parts did also reduce. For quite a bit of time we have been thinking of detailing how we are saving money so that you our readers can help us find areas we should be looking at. We live what we believe is an average urban...

Financial Independence India : Update 2017

First salary of FY 2017-18 is in and invested. It sure isn’t very interesting when you do one transaction and all of your investments are done for the month. There is no real thrill of researching and reinventing as you go along once you narrow down on a strategy to Financial Independence. We started last year on shaky legs still learning to walk the financial planning bit of our lives. We were...