TIME TO LOOK AT .........THINGS TO DO

Dear All,

We'll are going through tough times and this tough time, especially from the last 3-4 months, have given us a good lesson. At least, I've learned a lot during this bad phase. I'm sharing such thoughts with all of you. It will help you also.

1. First of all, put this idea in your mind that you need to cut your expenses. If you think, all your expenses are fixed, give them a second thought.

2. Avoid using credit card especially when you're out for shopping. Make a list of items you need before you go to mall and then take only those items which are in your list. Avoid attractive schemes like "Buy 1 Get 1 Free". You don't need that even 1.

3. Make all your payments through NetBanking or through debit card. This will always show you current bank balance and will remind you your other fixed expenses.

4. Have a conversation with customer support department of your mobile phone and landline phone service provider. Ask them some good phone plan as per your usage or better ask for toppings on your bill plan. That will reduce your call rates and will save some money every month. If you're just 2-3 members at home, you may don't need landline phone with rent. Instead, figure out alternate prepaid mobile connection with goo validity.

5. Avoid loans on your credit card or personal loans. The interest rates are one of the highest in India. Save some money in bank every month and take the item when you meet your target.

6. Have a visit to your local general store. He may give you good discount now as compared to your "savings" and "points" of your favourite shopping mall.

7. Looking for some new mobile phone or some other electronic item. Try to get near Diwali festival. Many companies offers discount near festival season.

8. Going to office on your car everyday. Talk to your colleagues and friends and plan for car pool. You'll save on petrol and car maintenance charges.

9. You might need to look out your favourite channels list and discuss with your dish tv operator or look out their web sites for some good plans. You'll save some money every month there also.

10. Last but not the least, try to do some part time business along with your current job or business which will give you handsome money every month. That money will help you in difficult times. I'll explain this point in detail after few days.

Give me your views on above points. I'll wait for that.

Thank you, your business is appreciated! We strive to provide you with the best service possible. If there is anything we can do to serve you better, please let us know.

Regards
Gopal Krishan Doda
- IRDA, AMFI Certified, MDRT Qualified, CEO Klub Member Investment Advisor

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