I’ve been following Shipra Baranwal on Twitter and Instagram for a while now and I am completely in awe of her diligence when it comes to accumulating points and really getting the best of her credit card. I’ve spoken to her a few times about what it takes to live a large lifestyle without the large expense. However, when she started posting on social media about her amazing Euro trip that cost her 10% of what it would have cost anybody else, I was hooked. I asked her to write a post for PennMoney about what it takes to travel and holiday using your credit card and taking advantage of the features of your card, and she kindly obliged. So without any further ado, here’s Shipra!
To be honest, I wanted to write a long, philosophical post about my year but I think I’ll save that for January. Instead, I thought I’d share something more useful – my favourite skincare products of 2018! I’ve made an awkward video about them, so do give it a watch.
How Do I Afford Luxury Items?
Psst, this is Part 2. Do check out Part 1, here.
There’s a million dollar question. I love fashion but I’m also cognisant of the fact that I am lusting after first world luxury earning third world wages. It’s also important that I disclose that I have no financial obligations – no home loans, no car loans, heck I don’t even have rent. My expenses are usually things I buy for myself, the odd grocery trip, buying clothes/toys for my baby boy and socialising.
Last month, I had a small article published in The Hindu Weekend, about the Valentino shoes that I had purchased during my holiday in Spain. This was more personal, but I had a draft that also went deep into the money aspects of it. So I thought I’d expand on it and publish it here! I’ve split it into three parts – the where (the cheapest place to buy luxury goods), the what (deciding what kind of luxury goods to buy) and the how (saving for luxury goods).
I’d been getting a lot of emails asking about the best apps for managing money and the best personal finance apps. I’ve tried out a whole bunch of apps and here are my favourites. My only criteria for liking/recommending an app is this: Does the app make me want to come back? Using an app to track your money requires you to cultivate the habit of recording your expenses and incomes as and when they happen. So, it is important for the app and its interface to be addictive, in a way. These are the best apps among those I tested to help you track your expenditure and create budgets. They’re all American made but they all support the Rupee symbol as well.
Sale season just doesn’t seem to end, does it? If it’s not an end-of-season-sale at a high street retailer like Zara, it’s an exhibition featuring cool indie brands or boutique selections from other parts of the country. There’s always something that you want to buy or need to have. We seem to be constantly bombarded by desire and it is so exhausting just to keep up. The advertising during sales also feed into existing temptation – it’s always like, look how much money you’d save! And you believe it and literally buy that sentiment of ‘saving’ money during sales – except you’re not saving money.
So yesterday I finally pulled the trigger on something I’ve been wanting to do for a while now – deactivating my instagram account. I’ve had a public profile on Instagram from 2010 (since the app was launched!) and it became my favourite social network right off the bat. I used to share with abandon and enjoyed the community that Instagram gave me.
I have been paying a lot more attention to our living space the last year or so. I think it’s a combination of having a mess-loving baby and growing old, but seeing our apartment being turned upside down on a daily basis has pushed me into finding ways into having a home that’s accident-free, clean and safe (and pretty!).
One of the things I often get messaged about is postpartum weight loss, so I thought I’d write about my pregnancy, my delivery (?) and all that happened after. But first things first –
This is NOT A Guide
I don’t know shit about fitness and/or nutrition, friends. This is just about what happened to me and what I did. Please don’t use this as a guide. Please do your own research and try to pay attention to your own body’s cues. This is not a guide, it is simply my story.
One of the great things about having a feedback page is that you get some great post ideas! I received a message from a reader asking me to break down the National Pension Scheme or the NPS. So without any further ado –
What is the National Pension Scheme?
The National Pension Scheme is a savings scheme wherein you can pay a certain amount of money into a pension account every month during the course of your working life. This money, in turn, will be invested on your behalf. When you reach retirement age (sixty years), the money becomes available to you, under certain conditions.