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With a little planning, you could save costly interest charges and instead, earn some interest on the money you have to spend anyway.
It’s the time of year when college fees and school fees are due. And suddenly, large amounts of money have to be found. Many of us get desperate and resort to taking personal loans on our credit cards. Or from people who have more spare cash.
With a little planning, you could save costly interest charges and instead, earn some interest on the money you have to spend anyway. And that is the age-old Recurring deposit. Every month, you save a regular amount and six or twelve months later, you have a lump sum for your needs.
A rough calculation will tell you how much money is needed in June. Divide that amount into 12 and start saving it right away in May or this June, for the next year. This sounds so simple that you are laughing at it. But, I have seen even accountants being unprepared to pay college fees. Just a little forethought to pay any large bill saves a large amount of stress.
Now, it has become so simple to open a Recurring Deposit online on any bank’s website. With online accounts, the banks simply collect the money from your account every month. Or, if you prefer to go to a friendly bank, a Recurring Deposit can be opened in minutes. The post office and banks have agents for small savings who actually come to your doorstep to collect the money every month.
And come School Reopening time, you are cool and not staring in desperation at the Bill.
Image via WorldVision
Think a little, walk a little more,
Cook a little, eat a little more than needed,
Read a little, Watch a little more,
Write read more...
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I recommend reading Manjiri Indurkar's Origami Aai alongside her memoir to have a fulfilling and enriching experience of telling one's story with grace.
It’s All In Your Head, M famed author Manjiri Indurkar’s debut poetry collection, Origami Aai, is independent and yet an extension of her memoir in which she speaks with utmost grace about all forms of abuses that she has survived. In this book of intriguing and evocative poems, the poet weaves words to form images of the everyday life of her middle-class family, love found and lost, trauma, and healing.
The collection is divided into four segments, beginning with the family, slowly moving towards the world, and finally colliding them together.
We aren’t in mourning, but we are creatures of habit.
So we talk of each one who died of drowning,
and I listen to her stories with the patience
of a chronicler.
– Funereal Stories
When someone accuses you of "too much feminism", what they are really saying is, "I am uncomfortable with you challenging the status quo and disrupting my privilege".
Time and again, there is one phrase that keeps coming up in the social media discourse on feminism. Any guesses?
Ah, no prizes for guessing the infamous “itni bhi feminist” or “too much feminism” phrase, a classic eye-roller for me, and I am sure for many more of my tribe, in the realm of gender equality discussions.
Pray tell me, how can an ideology, a movement be too ‘much’? It’s not salt or the seasoning of your soup where you can go, “Oops, too much salt, only one spoon was required”. Either you stand for what feminism stands for, or you don’t.
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