Category Archives: Frugal Living

Where Do I Go From Here

Looking at my networth on a regular basis now, I asked myself, where do I go from here now? To answer this I sat down with my finances and took a good hard look at things. I was in approximately Rs.21,000 of credit card debt, and a student loan of Rs. 250,000. Though my equity […]

Overclocking my Debt Reduction

After reading this comment from Ryan posted at Blogging away debt I started thinking upon the general conditions which are responsible for getting us into debt. I started comparing the comment by the term Overclocking used in electronics.
“Overclocking is defined as making a particular component (of your computer hardware) run at speed higher than […]

Moving to Hyderabad

It’s not like a life time opportunity, but may be a life changing one. My employer gave me an option to work either from Bangalore (my current location) or from Hyderabad. After doing some research (some phone calls to my friends) and my previous experience of living in Hyderabad I found out that cost of […]

Personal Frugality Week 2

Last week was particularly well the highlights of last week were my phone expense control and my food expense control
I spent nearly fifty rupees over phone during the last week. It was exciting as this has brought some discipline in me while speaking on phone. Now I speak to the point and don’t waste time […]

Personal Frugality week 1 update

I am not able to do any posting for some time now, it is because some unrest on Cauvery issue in Bangalore and some dose by my boss over job issues, though it is much calmer today (both of them). I am very happy today that my post has been selected on carnival of investing […]

Defining Frugality and Ethics

After reading this post by Golbguru, I thought I should define frugality for myself. I was amazed that people do such things to gain a temporary advantage which I call as cheating.
In India we find these replacements very rare, change of barcode! I feel here the hi-tech crimes are very less. But still for general […]

Personal Frugality Week 1 The Beginning

This week onwards I am starting Personal Frugality Week I want to live this week as frugal as possible to save the maximum amount by month end. I have observed nearly two heads where I spend the most.

Food

Telephone
Food : I spend nearly Rs 300 each weekend on food. Reason eating out, i.e. Rs […]

Impulse Buying

I am an impulse buyer and I want to be financially free, for me this phenomenon doesn’t go hand to hand, at least in my early times of working towards my financial freedom.
I am from the typical Indian middle class who is supporting the great Indian Boom on the world map. Like many other; I […]