How to Save and Invest Smartly with your Salary?

There was a study conducted on people who won the lottery. It was found that approximately five years after winning the lofty amount, 90% of them end up in a worse condition than where they were at the point of winning the lottery. Why this happens is a different subject altogether, but the point to understand here is that sudden cash flow is not the solution to your problems.

Before I discuss how to save or invest your salary, let us understand the WHY. Why do you want to better utilize your salary? To be rich? To save for the rainy day? For your travels? To buy the MacBook? (or whatever) Let us delve deeper into the WHY, but here is one primary take away - "Financially successful people (read - rich) not just earn more money, but have a different take on finances. It’s a mentality shift. So one of your primary objectives, whether you earn 20K or 50K, should be to understand this Financial-wisdom or money-mind and try to imbibe it.

Now, for your salary! Whatever your salary, first thing you should do is save a tiny portion of it. I do not care if it’s a FD or PPF or your piggy bank, but I just want to save a part of it. This needs not be huge, say a thousand bucks a month will suffice. If you need motivation or reason, think of this as 'saving for the rainy day' However, the only reason I want you to save this amount is just to get into the discipline of taking a part of your salary and earning and putting it away. This is one discipline which will go a long way into paving the way of your financial freedom.

Tips on Buying Good Mattress for you

When your mattress starts to sag in the middle, then it is time to get a new one. Even if your mattress does not sag in the middle, if you have had it for a long time, it is time for you to get a new one. So where do you begin. It can be a very difficult process to get the right type of mattress. I know that it is time for me to get a new mattress because I have back aches when I get up every morning. Only when I started looking for a good mattress did I realize that those things are very expensive. Some cost thousands of dollars. I just can't understand how anyone can afford it.

One thing that you have to think about is that you will be sleeping on your mattress for a long time. So if you factor that in, then thousands of dollars makes sense. Do not compromise on quality. If you do not have the money, save up for it or wait for something to go on sale. It will be worth it in the end because you would not want to change mattresses every year or every few years. And you have to think of how much time you are going to be spending on it.

Easy to make and Incredible Gifts Ideas for Mother in Christmas

If you are wondering what can I make my mom for Christmas this year, you will want to consider these easy to make gift ideas. In the Christmas season, it is not about how much you spend, but rather the thought that counts. With that said, some of the best gifts are those that are homemade. They will usually have the most meaning. In addition, they won’t break the bank either. Thus, if you are on a budget, get a little creative and make a gift for mom that lasts. With a little determination, you could give her the best gift she receives. If you are asking what do I make my mom for Christmas, start with the basics. Usually, for young kids this means creating a family drawing. Take some time and draw a picture of the entire family. Then, color it in with all your favorite colors. Then, make sure you sign your name on the back and put the year you did it. It might even be fun to write each person’s name next to them in your drawing. If so inclined, you can do several other pictures so you have more than just one to draw. For example, you might draw a picture of your house, your bedroom, and your family pets. These ideas are simple, and you probably have paper and crayons handy to complete this gift for mom on your own. Be sure to wrap it up for her as a gift.

How to Get out of Depression Naturally?

Depression can cause serious health hazard and make your time like garbage when you are in depression. Check out few easy ideas to you understand how to treat and get rid of depression naturally.

Do not let your depression control your social routines. Depression may cause you from wanting to do your normal activities.Keep on doing the things you would normally.

lady in Depression with doctor to know how to Get out of Depression Naturally

Make certain that you exercise enough each day. People who get at least 30 minutes of daily exercise are more likely to respond to depression treatments better. You may find that exercise is actually better than prescription medicine. Simply taking the stairs or walking farther to get to the store can benefit your physical and mental health.

There are some treatments for depression you can try. Try grape juice combined with St. It can be less expensive and addictive than regular antidepressant medications.

Real Story of Middle Class Indian Parents Vs foreign parents

In India middle class always suffers in any case, whether it's education, expenses, buying home, go on vacation or saving. Let's take an example to understand why don't Indian parents enjoy life like foreign parents rather than depend on their children in their old age?

IP - Indian Parents.
IK - Indian Kids.

At the age of 8:
IK - Let's go on a vacation.
IP - No, kiddo. We are saving money for your school term fees.

At the age of 16:
IK - Let's go on a vacation, please?
IP - Sorry, kid. We are saving money for your college education.

At the age of 21:
IK - I'm an engineer and I have a job that pays me enough. Come, let's go on a vacation, now.
IP - You did mention about pursuing your masters the other day, right? Well, dad & I are saving money for that now. Some other time, maybe?

At the age of 25:
IK - Mom, dad ; we have have enough money. I'm earning as well. You have saved enough for my masters, too. Why don't you guys go out and have some fun?
IP - We are saving money for your marriage. Once after you get married, maybe?

At the age of 29:
IK - Why don't you guys go out and have some freaking fun? For God's sake, I have everything in my life now. Look guys, I even have kids now and you people should really go and have some fun now.
IP - We are having fun, you silly. With your kids, of course. We're too old to go out and have fun, you see. And, we are really happy about the fact that you've been so kind and supportive towards us. We are having fun, don't worry about us. Go on do what you got to do.

You do get the picture, right?


Some of our parents work their tails off to make both ends meet. A normal middle class parent doesn't save money to go on vacations here ; we are our parents dream and hence all their savings are spent on us - our education, mainly. For instance, in my house, when I was growing up, my parents particularly made a point to save a part of their earnings just to pay my term fees during my schooling.

My parents started their life from scratch after my dad incurred a heavy loss in his business and hence we lived in abject poverty for a few years [My parents rejected help from extended family members. Both of my parents were working, but it just wasn't enough!] - We used to have an almost empty pantry in our house those days yet, my parents made sure to provide me 2 Roties (roties - Google Search) and a piece of pickle thrice a day mostly and twice a day at times. I have seen my parents go to sleep without having their dinner while I was given a banana or two to eat when they could not afford to provide roties. My education was their priority and I was their dream. Because of my dad's hard work, we now live a really good life. We have everything at home. I'm an engineer and I have a really good backup and I am still my parents priority. I'm the center of their happiness. My dreams have become theirs. My parents would extremely be happy to see me go on a world tour, but they won't do the same. Hard earned money, you see :) I get to enjoy the benefits of their hard work but I don't go on a spending spree at any cost.

And about them being dependent on us - We don't see it that way. It is our way of *trying* to repay their love - which we will never be able to, anyway. They are our watchful protectors. Who doesn't want one by their side, right? Having said that, they don't really depend on us in the first place. We are not obliged to stick around them. We are free to settle down in any part of this world but some of us just decide to take sides with them and take care of them after they become really old. And hey, they do enjoy their lives, you know? We kids do make sure to send them on vacations and pilgrimages and whatnot? So, they do enjoy their lives - just the Indian way, you see? :)

Small Things You Can Do Every Day to Get Smarter

Smartness and discipline work simultaneously. There are many ways to conduct for yourself a daily practice to be more smarter each day. Our mind works best when we are cheerful, happy, in a good mood but as we all know we get irritation, anger, frustration which reduces our efficiency and ultimately reduces our smartness. So we have to somehow train our brain to come out these negative feelings. But as we all know training the brain is indeed difficult process. Our brain is reluctant to take any new habit easily. One has to make lot of efforts to make that habit. To tackle this we need to make habit to turn our brain periodically to alert so that it remains in constantly energetic mode and eventually we give our best.

1. If you lack discipline or laziness overpowers your mind every time . Try to do something out of your comfort zone every day. For example if you are much into workout, do it for extra half an hour or include meditation for that matter , go out to buy daily chore things for you and your family , join a course of your choice .

2. Try to solve difficult questions of like physics, maths, logical reasoning etc. every day. That is Every day.

3. Cut short out your contacts. Because the more people you chill with, the more crap you get.

4. Never ever try to ignore a problem. It may be very small or pity for you, but solve it. It will make you responsible for yourself.

5. Play new generation computer games like Limbo . Include your friends too.

6. Read everyday. Then explain it to somebody but not briefly. Student Jon Packles elaborates on this idea: "For everything you learn--big or small--stick with it for at least as long as it takes you to be able to explain it to a friend. It's fairly easy to learn new information. Being able to retain that information and teach others is far more valuable."

PS: My personal trick-- Don't make a time table. May be you would complete them all. But then you decrease your probability of learning something new and accepting it in the meantime, because you are stuck with a schedule. Set yourself free. But with discipline.
Hope it helps :)

My Thoughts on lose weight safely and quickly

What I have realized as I get older is that it easier to put on pound then it is to take it off. I know that my diet over the years has not changed much but my metabolism has slowed down and I need to be more active than usual to lose the weight that I could so easily lose when I was younger. I have difficulty losing five pounds. I can’t imagine trying to lose 10 or 20 pounds. Here are some ways that you may be able to decrease body fat.

The first step is to exercise with weights. I never knew how effective this would be until I tried it. I am not much of an exercise person in the first place so exercising for me is hard enough. I try to walk as much as I can or take the stairs instead of the elevator. Of course that does not constitute great exercise but I try. When I added weight to my exercise routine, I found that I could lose the body fat much faster. So try adding some weight. You can start with light weights and slowly increase. You will be amazed at the results.

Chetan Bhagat's Half Girlfriend Book Review

SPOILER ALERT: This review will kill every suspense. So read at your own risk.

Before you go further and make judgments about what are the authors whose works I have read in my lifetime, I have read books of close to 70 different authors starting from Sheldon, Dan Brown, Hosseini,Rushdie,Paulo Coelho, Arvind Adiga, Jhumpa Lahiri amongst numerous others.

There are two different reactions every Chetan Bhagat novel is familiar with.

1. Excitement from his fans like me
2. Troll-posts from people who are more used to reading works of literary geniuses and generally find Bhagat's writing utter trash.

When half-girlfriend was announced, there were mockeries across every social media site over the title of the book which was, by all means, extremely peculiar. In other news, there were, also, a large number of pre-orders.

Making career as Plumber to earn money easily

I think the most difficult profession is a plumber. I guess it is not a very pleasant job. However, plumbers can earn a decent income for that very reason. Not many people want to figure out how to fix a plugged toilet or clean out the sewage drain. Plumbers also have to be on call and sometimes get emergency calls in the middle of the night.

More often than not, something will break in the middle of the night. I have heard of many stories from friends who have had their water heater break in the middle of the night. What a nightmare. One friend even had a pipe break with water leaking into her apartment. If your water heater is on the second floor of your house, then it becomes even worse. Can you imagine the water gushing down into your living room or your dining room or your kitchen. I have had someone say that they have had to be out of their house for 8 months while the damage was repaired.