TransformYourLife

It is every middle-class indian's dream to have their own flat.They usually end up investing their life savings in it or take debt for it.Before investing in a house and putting your life savings into it, do refer the following check-list which will help make an informed decision about what kind of builders to choose/avoid and indemnify against risk of being duped. Reputation of builder Past court cases against builders Is the builder RERA certified Past projects and track record of completion Whether OC was provided to previous buyers Whether flats are being sold in the project or there is piling unsold inventory over years Whether any other projects are ongoing in same vicinity by the builder.If yes, there is likelihood of your money being used for this project as against the one you booked your flat in and completion might get delayed. What is the stage of the project-Makes sense to book those close to completion because it is less risky for customer and builde...

As an entry level employee, there is student debt, rent, transport and other expenses to take care of.The paycheque gets exhausted settling bills and barely anything is left thereafter.But as we know there must be monthly savings and investments to have wealth eventually . Here are a few ways to cut down on expenses/increase income and save a part of the paycheque: Start cooking your own meals instead of eating every single meal outside Use the public/office/building gym instead of a gym membership Take local transport instead of a cab each time Move to a not so grand neighborhood  if it is not too far from work Take up a part time/freelance job on weekends Have a side hustle-your own business that helps you earn extra money Teach skills you know for extra money to students Curb the urge to buy every new shiny phone or gadget Invest money in safe return giving instruments Find free and low cost events to attend in city Limit air travel ...

Why do most people take up a job or start a business To earn xyz amount of money and be able to pay bills and survive.For most of them, the amount they earn every month has nothing to do with true passion towards the work they do. Distribution of money earned for most people If they do end up earning a surplus after meeting own and family’s basic needs -they either splurge,save or invest in fixed assets for most part.   Why is it considered bad to want more money?           Social   and religious conditioning           Associating callousness with greed          Considering it a false god           Considering it harmful enough to turn you into a self-centered monster Why do you not move your butt to   seek more money?           The middle -class “haves not” mentality           Your ...