ok... am making a change--- very very basic... and the impact is going to be great... i hope to be able to make at least 5,000 rs an annum which when compounded over a 30 yr period earning me @8% is a good 15L save..
How?
simple--- just pay your cell and credit card bills on time...
its amazing how the credit card bills really fleece you.. Once you are past due-- they will charge you on the balance that is there on the card-- which includes the non billed amount. they will call you every day to ensure you pay--- but it makes no diffrence--- they will still charge you the amount till the next bill cycle..
so -- what do we need to do..
1. make an appointment on your calender to ensure you pay on time.
2. get onto online payment mode-- all cc and utilities have that available.
3. follow rigourously every month... make it a habit.
enjoy saving-- i know i am..
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