Develop the Saving Habit...!!!

Savings...!!! As soon as you hear the word "Savings" you start thinking about how

to save, how much to save, and lot of more questions. Let’s today have a look on this. 

Whenever it comes to savings, people generally have the big excuse that their expenses are so much that they are unable to save any amount of their income. So first major step in new age is to spare the money to be saved first and then to adjust the monthly expenses out of the remaining amount. 

Second common excuse among people is that they are not rich enough to do savings. To be very honest, it’s not necessary to be a rich person to do savings. Whatever you might be earning low or high, it doesn’t make difference, it’s possible to save some amount of your income. Which then you can utilize for various purpose in life or keep it in various schemes & earn returns. 

Okay, so you now decided to do save some amount of your income. But then comes next question to anyone's mind is that how much amount one shall save from their income. In general it’s said that one shall save 30% of his net pay. To be more precise one shall save 30% of his income. This could be good amount of money that can help you to develop savings habit. 

Further then the question comes, where to invest this 30% of Income i.e. savings. There are 4 best options where you can invest this savings. A part of 30% you shall invest in RD (Recurring Deposits) which are available in all banks. Another part of Savings you can invest in SIPs (Mutual Funds). Another part of income you can invest in gold. And remaining part of income you shall invest in stocks which in long term will give fair returns. 

Life seems so busy

I was sitting free as weekend holiday. I thought of calling few of my past friends as in daily life busy schedule I hardly get time to call anyone. Moreover this new world of whatsapp and facebook is somewhere making us away from Phone calls. 

So finally I took the pains and called one of my college bestie, she received the call. As a

general gesture I asked if she was free talk, she said she was on outing with her family (I didn't ask anything more), then I said okay I will call later. After hanging the phone, then I dialed to one of my school bestie. He was my school best buddy and I haven’t had talk with him since a long time. So I decided to call him. As soon as the call reaches him. He asks who is on the phone as I was calling from my alternate Jio number, which I haven’t given to many people. I said it’s me and said ‘Hi’. He too responded positively but said that will call after reaching home. And this second call to longtime friend goes off. Then I decided to call one of ex-company's colleague. I tried to call him. The situation was tougher this time. The phone kept on ringing but he didn't respond. And then I disconnected the call without talking to him.

So you can understand how difficult and tough it is to have quality talk or chat with friends. It feels a bit sad that the new busy world hardly give time to connect with people at times. We may be saying that it's becoming easier to connect with people in this new world. But is it so easy at times I feel so!!!

Cycling after almost 10 years...!!!

Yes Guys you heard the title right. I came to know about “MyByk”, a unique startup by the local entrepreneur who started this initiative to promote cycling among people. While I was browsing through their various FB posts and updates, I came to know that apart from giving bicycles on rent, they also do organize Bicycle rides. So after registering for me and one of my friend, I got the chance to ride the bicycle after almost 10 years. And the experience was so awesome. 

It was basically "Friday Night Ride" organized by “MyByk” from Shivranjani Cross Roads to Judges Bunglow road then going forward to that road and then return through the same route. 

It was too great experience. I don’t remember exactly but I think lastly I rode bicycle was in 2008, which then I sold as I grew up and had got Scooty to cover local distances. 

Furthermore discussing about the event, there were more than 100 people registered for the

event. The cycling started with a Flag off at 10 pm. It was feeling so different to ride bicycle. Firstly I was riding after a long time (as said earlier after almost 10 years). Secondly this moment comes to you when you are regularly driving two wheeler vehicles regularly for covering long as well as short distances. This kind of bicycling gives different ride experience. Thirdly riding with so many people (More than 100 almost) and riding in so systematic way, it gave the feeling as if I am on some long Bike ride with friends. 

It wasn’t just the Bicycle ride but it was like a fun hang out with so many people whom you don’t even know or have any connection. Just one thing in common that all of you are there to have bicycle ride fun.

Hope this new world of Startups and Fitness bring more ideas, make people more fit and people enjoy the life at the most. After all we are here to live happy and stay happy.