Lockdowns, a New Country and Financial Independence (India)

A cup of coffee for you and me! Most of us are just coming out of lock-downs after months and almost none unscathed. Life has been difficult and challenging in so many different ways. I doubt most of the readers of this blog have faced any real hunger due to the stringent curbs but we have all faced a lot of anxiety. Anxiety about if we will come out of this with a job; what will happen when...

Financial Independence Journey- 2019 down

Our household has been going though a lot of changes in last few months and honestly it feels like walls are closing in all the time and nothing is going the way we want it to. However, a lot of our problems are not major considering the issues faced by millions of households but for us they have been relentless and upsetting. With that said let me run you through a list just to unload some of...

Expense Report- October 2019

Low Expense Diwali is my kind of Diwali! Happy Diwali and welcome to the times when we are actually updating our blog at least monthly. October was a good month financially and we brought our expenses way down. While our focus this month was to get our expenses lowered there have been a few expenses that we had been putting off for some time. We did spend a bit on those but we are still running...

Financial Independence in India: An update

We have been working on being good parents and capable workers all of last year or so and a lot of things have fallen by the sides. One of those is this blog and the other one is the discipline which allowed us to amass a decent sum in our balances. This does not mean we have saved nothing but we have been spending lie crazy and most months we couldn't tell you what actually happened. A few new...

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...