In Sep 2023, I bought my Dzire car from Spinny. Car cost was around Rs. 5L. I thought of making a down payment of Rs. 1L and taking a loan of Rs. 4L. With the EMI the car would have costed me Rs 5.5L

I had savings of more than Rs 5L in FD. I thought instead of paying interest to bank, why not take loan from myself ? I broke the Rs 5L FD and started an RD of Rs 20k for 3 years.

Few Years ago, I used to invest in Share Market. Every morning, I used to open the app around 9am and start tracking the movements. I used to save Rs 10-12k to invest in market for that month. Depending on how the market is moving, I would buy few shares. When I bought some share and at end of day I earned even few rupees profit, it would make me happy. It was an achievement. Throughout the day I would fidget around the trading app checking if there has been any positive movement.

WFH days were over when we were called to office. I had got an extension of 6 months since we were expecting a child. In the meantime, I had to come to Bengaluru for office visits. During these visits, I checked about rents in Bengaluru. They had significantly shot up. Even a 1BHK would have been fine for me, but it did not come with car parking. So, I had to search for 2BHK. In a decent society it shot up to anywhere Rs 40k - Rs 50k.