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Financial discipline

Chalanachithram.com DB » New TF Industry Related » Archive through November 24, 2015 » Financial discipline « Previous Next »
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Gandhiguevara
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Username: Gandhiguevara

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Posted on Monday, November 23, 2015 - 05:33 pm:       


Mass:

nice a kasi to 160$ per hour earn chestunnava wonderful



Gandhiguevara:

adukku tinu.


adhi follow avuthunnaa
 

Mass
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Posted on Monday, November 23, 2015 - 05:33 pm:       


Gandhiguevara:

Naaku maatram...nuvvu sampadinchukuni edo okati adukku tinu....mammalni maatram adagodhu...ani cheppaaru




nice a kasi to 160$ per hour earn chestunnava wonderful
 

Sony
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Posted on Monday, November 23, 2015 - 05:32 pm:       


Gandhiguevara:

nuvvu sampadinchukuni edo okati adukku tinu....mammalni maatram adagodhu...ani cheppaaru


 

Gandhiguevara
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Posted on Monday, November 23, 2015 - 05:29 pm:       


Sony:

If you earn 10 rupees, 8 rupees is your expenditure, 2 rupees savings.


Naaku maatram...nuvvu sampadinchukuni edo okati adukku tinu....mammalni maatram adagodhu...ani cheppaaru
 

Sony
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Posted on Monday, November 23, 2015 - 05:28 pm:       

Except for Home Loan, no loans or cc balances

My dad told me when I was leaving to US one thing, If you earn 10 rupees, 8 rupees is your expenditure, 2 rupees savings.

Following it since then
 

Mrhyderabad
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Posted on Monday, November 23, 2015 - 05:22 pm:       


Chillarodu:


business accounting separate sir..

For ex, just for both of our cars we spend around 1500-2000 per month on gas, tolls, oil change / regular maint etc

Business auto mobile expenses separate not included in this.. Last week Uber vaadu oka award letter pampaadu for using uber.. Next year sanmanaam chesthasdu Emo :-)..: this is all biz expense
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Ysr2009
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Posted on Monday, November 23, 2015 - 05:00 pm:       

Enti loan payments, business expenditure koodaa monthly bills kinda vestunnaaraa?
 

Jalsa
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Posted on Monday, November 23, 2015 - 04:10 pm:       


Mrhyderabad:




kompadeesi monthly budget eyadam expenses tracking seyadam laantivi sethhaava eti....daiver soothey kummestaad :D
 

Jalsa
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Posted on Monday, November 23, 2015 - 04:08 pm:       


Sanju:

Involve your spouses if you know they are cautious spenders...I am impulsive shopper when it comes to electronics and accessories...



naa case lo reverse :D


































ps: intikellaaka discussion gurantee :D
 

Chillarodu
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Posted on Monday, November 23, 2015 - 03:20 pm:       


Mrhyderabad:

okappudu 2000 vasthe 2100 expense cheyadam bad ayithe ippudu 20k vachi 21K spend chesinaa.. same 2 same kadaa




monthly 21K spending ante too much Rao gaaru.
Business ki katte loans kooda add chesi vuntavu. In that case, mee equity perugutha vuntundhi kadha..
 

Kukatpally
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Posted on Monday, November 23, 2015 - 03:14 pm:       


Bunty717:




yeppudu money related thed lo tiragakapothe... nj db meet thed loki vachi chittu vuncle ni control cheyyochu kada
 

Mrhyderabad
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Posted on Monday, November 23, 2015 - 03:12 pm:       


Jodhaa:

r u sure it is 30+years of life style?


good catch.. may be 5-6 years :-) but if you had money you would be living like this even before also ani kavi bhaavam.. okappudu 2000 vasthe 2100 expense cheyadam bad ayithe ippudu 20k vachi 21K spend chesinaa.. same 2 same kadaa

btw, howdy? long time..
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Bunty717
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Posted on Monday, November 23, 2015 - 03:08 pm:       


Andhrawala:

etta nidura paduthundhi sameee inni appulu vunteee.




tisukunnodiki manakenduku tension ichinodiki undaali kani..

baa chepenaaa..
 

Andhrawala
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Posted on Monday, November 23, 2015 - 03:06 pm:       


Bunty717:

nen bhi same boat 400K appulu unnayi.. chass..




etta nidura paduthundhi sameee inni appulu vunteee.

Or is it House Mortagge
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Rajusk
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Posted on Monday, November 23, 2015 - 03:05 pm:       


Bunty717:

nen bhi same boat 400K appulu unnayi.. chass..




perfect number..nenu ide eddamane type lo meeru ee post esaru..anduke 5 sukkal bhi vesa
 

Sachin
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Posted on Monday, November 23, 2015 - 03:03 pm:       


Sanju:

Nenu single ga costco trip esanantey 100-150 avvuddi bill...family tho velthey less than 80 vachestham...




kikik...nenu maa avida pothe double avudddi
 

Bunty717
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Posted on Monday, November 23, 2015 - 03:03 pm:       

nen bhi same boat 400K appulu unnayi.. chass..
 

Sachin
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Posted on Monday, November 23, 2015 - 03:01 pm:       


King:

Perfect Thread..Naau raadani decide ayipoya, Every month CC bill katti, maybe next month takkuva vastundemo ani hope., but same story.




 

Starc
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Posted on Monday, November 23, 2015 - 02:55 pm:       

hyderabadu..

savings lo money ettukoni 16% apr interest kadutunnava..

niku dandam ettali
 

Andhrawala
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Username: Andhrawala

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Posted on Monday, November 23, 2015 - 02:54 pm:       


Twitter:



na lanti single pc gaallake anukunna ee kastalu mee lantollaki kooda untaya sodhara ..hmmmm




Hyder bhaai doesnt touch his wife's paycheck. andhukee papam ee issues
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Twitter
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Posted on Monday, November 23, 2015 - 02:53 pm:       


Mrhyderabad:

ippudu decent pay check vunna same.. income ki expenses ki direct proportion graph.. i am sure there are others in db like me..




na lanti single pc gaallake anukunna ee kastalu mee lantollaki kooda untaya sodhara ..hmmmm
 

Sanju
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Posted on Monday, November 23, 2015 - 02:45 pm:       


Kuyyo_morro:

Telugu cinemala premieres, bayata thinadam, thiragatam lantivi cut chesthe monthly 1k daaka save cheyochu.




edanna part time pani choosukuntey inkaaa easy avvuddi idhi...extra income plus savings ki savings...
 

Mrhyderabad
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Posted on Monday, November 23, 2015 - 02:45 pm:       


Jodhaa:

2 paychecks 100% utilize ayyentha karchulu em untaaye..


adi teliyakane kadaa inni tippalu... america vachina kothalo tcs vaadu monthly 2100 chethi lo pettina pay check to pay check.. ippudu decent pay check vunna same.. income ki expenses ki direct proportion graph.. i am sure there are others in db like me..
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Andhrawala
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Posted on Monday, November 23, 2015 - 02:45 pm:       


Mrhyderabad:

ante u should always keep 6-8 months salary aside for rainy day antaaru kadaa ani never touched it.. i know how it sounds but that's me :-)





2 paychecks 100% utilize ayyentha karchulu em untaaye..dont tell me you are investing with that money and complaining about negative balance.


If I am correct u are SUrya Bhai - The BusinessMan. Nee daggara dabbulu lekapothe evvari daggara vuntaayi
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Starc
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Posted on Monday, November 23, 2015 - 02:44 pm:       

sanju..

right on spot..
 

Sanju
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Posted on Monday, November 23, 2015 - 02:43 pm:       

Involve your spouses if you know they are cautious spenders...I am impulsive shopper when it comes to electronics and accessories...

Nenu single ga costco trip esanantey 100-150 avvuddi bill...family tho velthey less than 80 vachestham...
 

Fargo
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Posted on Monday, November 23, 2015 - 02:42 pm:       

eee jeevithaniki raadhu savadhu
 

Jodhaa
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Posted on Monday, November 23, 2015 - 02:42 pm:       


Mrhyderabad:

100% deposti ayithene next pay check time ki negative balance with over draft fee padutunnayi.. only 80% ante kashtam :-)


2 paychecks 100% utilize ayyentha karchulu em untaaye..dont tell me you are investing with that money and complaining about negative balance.

Mrhyderabad:

may be it is impossible to change your life style after you got used to it for 30+ years


r u sure it is 30+years of life style?:D
 

Twitter
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Posted on Monday, November 23, 2015 - 02:39 pm:       

okko sari cc's leka pothe emai poye vaallamo anipisthadhi rao garu
 

Kuyyo_morro
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Posted on Monday, November 23, 2015 - 02:37 pm:       

Telugu cinemala premieres, bayata thinadam, thiragatam lantivi cut chesthe monthly 1k daaka save cheyochu. Aa 1k can be used for cc payment or mortgage payment.

10k cards mida unnai. Em chesi 4k ki thechina malli goes back to 10k with one India trip.
 

Nanigadu
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Posted on Monday, November 23, 2015 - 02:36 pm:       

stop using CC for day-to-day
use only for recurring bill payments to gain points

idhi follow avuthunna ippdu, koncham prasantham gaa vundhi

but still appudappudu vadaka thappadu em chestham :-)
 

King
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Posted on Monday, November 23, 2015 - 02:34 pm:       

Perfect Thread..Naau raadani decide ayipoya, Every month CC bill katti, maybe next month takkuva vastundemo ani hope., but same story.
 

Mrhyderabad
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Posted on Monday, November 23, 2015 - 02:34 pm:       


Chillarodu:

Savings lo dabbulu vunchukoni CC interest pay cheyyatam nijangane dumb thing.


ante u should always keep 6-8 months salary aside for rainy day antaaru kadaa ani never touched it.. i know how it sounds but that's me :-)


Andhrawala:

meeru cheppedhi hypothetical situation or what


hypothetical enti.. annual interest payment statement upload cheyyamantaava :-)

just woke up from 10 years coma today.. and paid off all cards.. but i think closing cards is not good idea.. so going to keep them open but not use them
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Nanigadu
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Posted on Monday, November 23, 2015 - 02:27 pm:       

@Hyder:i may be the most stupidest / dumb person on earth.. 2-3 cards meeda 30-40K balance and interest paying for few years.. paying 2-3k every month and still buying them with those cards.. never paid them off even though i could use savings account to pay them off.. don't ask me why i didn't do that..

-----

I think we are in same boat babai, enthaina Nellore vollam kadha :-)

mari 30/40K debt levu kani, around 6K vundhi CC lo
 

Chillarodu
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Posted on Monday, November 23, 2015 - 02:27 pm:       


Mrhyderabad:

2-3 cards meeda 30-40K balance and interest paying for few years.. paying 2-3k every month and still buying them with those cards.. never paid them off even though i could use savings account to pay them off.




Savings lo dabbulu vunchukoni CC interest pay cheyyatam nijangane dumb thing.
Paying of CC bills should be the first step of savings.

Nee vishyam lo, you must have multiple sources of income and 30k-40k might be peanuts for you. Andhuke peddaga pattinchukoni vundav
 

Andhrawala
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Posted on Monday, November 23, 2015 - 02:26 pm:       


Mrhyderabad:

100% deposti ayithene next pay check time ki negative balance with over draft fee padutunnayi.. only 80% ante kashtam :-)

i may be the most stupidest / dumb person on earth.. 2-3 cards meeda 30-40K balance and interest paying for few years.. paying 2-3k every month and still buying them with those cards.. never paid them off even though i could use savings account to pay them off.. don't ask me why i didn't do that..




Hyder bhaai

meeru cheppedhi hypothetical situation or what. Mee lanati enterprenuer appullo vundatam endhi. Is it becos of ur investments in business??
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Chillarodu
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Posted on Monday, November 23, 2015 - 02:24 pm:       


Mrhyderabad:

100% deposti ayithene next pay check time ki negative balance with over draft fee padutunnayi.. only 80% ante kashtam :-)




Nee salary ippudoche dhaantlo 80% ayithe em chesevaadivi.
Few months lo alavataipothundhi.
 

Mrhyderabad
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Posted on Monday, November 23, 2015 - 02:16 pm:       


Chillarodu:

Salary direct deposit 2 accounts lo ki cheyyandi.
*80% to checking and 20% to some savings account.


100% deposti ayithene next pay check time ki negative balance with over draft fee padutunnayi.. only 80% ante kashtam :-)

i may be the most stupidest / dumb person on earth.. 2-3 cards meeda 30-40K balance and interest paying for few years.. paying 2-3k every month and still buying them with those cards.. never paid them off even though i could use savings account to pay them off.. don't ask me why i didn't do that..
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Nanigadu
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Posted on Monday, November 23, 2015 - 02:11 pm:       

@Chillarodu:Salary direct deposit 2 accounts lo ki cheyyandi.
*80% to checking and 20% to some savings account.

Do what ever you want with 80% and don't touch the 20%.

---

good idea
 

Chillarodu
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Posted on Monday, November 23, 2015 - 02:03 pm:       


Chillarodu:

and don't touch the 20%.




after reaches significant amount then you can do low risk investment
 

Ustad
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Posted on Monday, November 23, 2015 - 02:02 pm:       


Mrhyderabad:

Or may be it is impossible to change your life style after you got used to it for 30+ years



True only if the person is born with a silver spoon. For middle class folks it might've started max. 10 years ago (few years plus or minus).
Negative people suck the life out of you. Stop wasting time fighting battles and trying to win people over that don’t matter.
 

Chillarodu
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Posted on Monday, November 23, 2015 - 02:02 pm:       

Salary direct deposit 2 accounts lo ki cheyyandi.
*80% to checking and 20% to some savings account.

Do what ever you want with 80% and don't touch the 20%.
 

Starc
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Posted on Monday, November 23, 2015 - 02:01 pm:       

USA lo saving kante.. there are tricks to save more money.

Never put money in savings account.. Go and buy some rental property with your saving amount.. let rent pay loan.. that way double or triple your savings.

USA lo saving concepts undavu..

buy house in good school area and pay principle with less term loan.. you avoid rents and you pay more principle.. that itself big saving..
 

Sanju
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Posted on Monday, November 23, 2015 - 01:57 pm:       


Chitti_babu:

Sanoobhuthi kaadhu Sahayam kaavali anna type lo

Shookthimukthavali vaddhu .... em cheyyalo cheppandi




Instant advise antey mee credit cards anni shred cheyyandi repu...wednesday anni banks ki call chesi replacement cards adagandi...j/k
 

Kuyyo_morro
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Posted on Monday, November 23, 2015 - 01:56 pm:       

ACH payments to Roth and other policies is the best way to save. Nelaki 2k itla addamaina policies ki velthunte after 10-15years you see the money.

Earn more concept kashtam for middle class desi IT coolie.
 

Cocanada
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Posted on Monday, November 23, 2015 - 01:55 pm:       

financial discipline lekapovadam annadi..indicator of weakness which impacts other areas of life
 

Chitti_babu
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Posted on Monday, November 23, 2015 - 01:53 pm:       

Sanoobhuthi kaadhu Sahayam kaavali anna type lo

Shookthimukthavali vaddhu .... em cheyyalo cheppandi
 

Twitter
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Posted on Monday, November 23, 2015 - 01:51 pm:       

yeah nenu save cheyadam nerchukundham anukune time lo ..One life enjoy it at fullest lant quotes ring authuntai ..kastallo unnappudu Save save save ani ring authuntadhi ...just timing difference ringing lo kaani edhokati maathram ringing always
 

Mrhyderabad
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Posted on Monday, November 23, 2015 - 01:48 pm:       

Financial discipline is a must - ee mukka Chinnappati nundi heard it gazillion times but always pushed it aside

oka pedda baba type lo 10 rs elaa save cheyyali ani think chese time lo, 100 rs elaa earn cheyyali ani think cheyochu kadaa ani oka dialogue use chesaa many times

but now the realization is slowly striking.. no matter what you do, how much you earn.. fin dis lekapothe chaala kashtam ani

Hope it is not too late to correct

Or may be it is impossible to change your life style after you got used to it for 30+ years

puttuka tho vachina budhulu pudakala tho kaani povu antaaru.. alaa anukoni proceed avvali emo
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein

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