December status update

December was a month where our expenses sky rocketed and I lost all control. This being Christmas month and we also travelled to our native by car and gifts to give to people we visited there, our expenses were way too much. Hopefully I can make it up in 2018.

Some learnings - I had some old jewellery that I never wear. I am of the firm belief that even though money and investments are important, we should also enjoy life while we can. So decided to exchange it but then realised, I was going to loose almost  30% of its value interms of wastage in the old and new jewellery. The old jewels were not bought from a shop but were made by goldsmith, so the shops were asking for wastage for the old jewellery also. I did not rush into exchanging but did some shopping around and then exchanged for BIS hallmark jewellery. Lesson learnt. Also I made sure I did not pay any cash and only got jewels that can be obtained with the exchanged gold.  Have been using the new jewels a lot and love them so I consider it as a fair deal. Atleast I wear them and enjoy them.

Give me also springs of water!

November status update

A rather late post, but better late than never.

November went in better than expected. We travelled by sleeper class for the wedding I mentioned.  I was able to control my expenses and felt pretty happy.

Also I encashed my Jeevan saral. So a big win there. And found I have another LIC policy for which I paid single premium way back in 2010. Going to leave it as such and wait for the maturity in 2020. And the proceeds I got from Jeevan Saral plus my old car selling, I used to make part prepayment of my home loan. This s a big move and realised after almost 9 years of home loan repayment, I have not even paid 50% of my principle. This inspite of the fact, that I used to pay more than the EMI by a few thousands every month. Imagine what would be the state if I had not done that also. My aim now is to make payments as frequently as I can and be done with my home loan.

My husband landed a free lancing assignment, so I may get some additional income. Praying for a more stable job and happy for the way things have turned out so far.

My birthday was this month and I did not spend lavishly, was very clear on what I wanted and asked my hubby to get me just a 🍰. Had a lovely day and it was much better than my previous years. Finally realising you do not need to spend a lot to enjoy life.

Give me also springs of water!