finance, investment, life, Marriage life, money, social media, Uncategorized

5 Money Habits You Need to Follow

It’s been a while since I wrote a post on investments. I did a bit of a research from various sources including my dad’s word of mouth and have mentioned the following points. You may read on:

  • Start Early :

Many billionaires follow this strategy. Starting with your very first paycheck, you may put in a small amount of money as a part of your investment. Even if it is as small as a thousand bucks, it is money that is saved after all.

Always remember the 60-40 rule, where you spend 60% of what you earn and save or invest the rest of the 40%.

This is just for a reference. Even if you are not able to save up 40% during the initial stages of your career, it is just alright. You may start with something small. There is no hard and fast rule.

  • Choose Your People Wisely:

Friends and Family are an integral part of our lives. But what if he or she turns out to be your biggest weakness?? I am mentioning this here as a bullet point because you will be able to avoid anyone who is piling on you despite being employed. If you and your other friend is employed, you can take turns to pay your restaurant bills or split your bills whenever you guys are catching up. Once in a while a treat is fine, but this is not supposed to go on forever.

It is a fair warning, if it’s your date and he/she makes you pay your bill more than three dates, despite being employed, you must watch out.

Be around people who value money as much as you do. 

  • Automate your money:

Do a little research and find out more about mutual funds or SIP’s or whatever you would like to invest in, make sure a certain amount of money goes onto these automatically. It is advisable to set it on a date which is right after your salary date. You may have a buffer of 2 or 3 days. This way, you would not spend everything you earn.

  • Lifestyle jumps:

Whenever we get an appraisal or a raise, we would start making plans to spend that extra amount of money that would be adding to our existing salary.  During my first job, I was having a lot of thoughts of buying a shoe that costed 2k rupees, but during my second job, when I was earning more I easily spent 1.5k rupees on a mere lipstick. This is not a good habit to inculcate in our lifestyles.

Yes, you need to stick onto your life like before  if you had everything you needed and instead of making plans of spending, make plans to invest. 

  • Simpler life:

Always, buy only what you really need, not what you want. I am a hoarder when it comes to home décor and stationery, I am learning to control. Try to adapt to minimalism style of living. It’s absolutely fine to binge on something luxurious once in a while, but you need to keep a check on it. Think before you go clubbing or eating out. It all feels great for a few hours but it doesn’t help in a long run.

When you are investing on some luxurious brand, think twice about why you are doing it. If it were your bucket list it’s fine, but if you are gonna buy it to impress the people around, you must reconsider your decision.

On the contrary, when you spend on electronics, compare the life of it and then invest. Always choose something that lasts longer even if it is to spend a few hundred bucks more. The next things one would spend is the clothes. Get pieces that might last longer and of course a versatile piece that can be styled differently for different occasions.

And Remember, You need people to value you for you, not the brands you carry or the things you own. No, you do not have to prove people about how much money you have.  

Have a great week ahead folks!!

Written by,

Divya Shankar



  • Outlook money



body shaming, health, Indian marriages, life, Marriage life, Patriarchy, social media

Body Shaming – Social Outlook

I was this very thin person for my height as a kid and as a teenager. I was so worried about this back then because people used to ask me if I am were terminally ill or not eating anything. No, I was stronger than most of them. Even after I went to high school and then college people made fun out of me because I didn’t fulfill the beauty standards that is already set by the society. In a due course of time, I gained weight, I felt good and confident. It was due to PCOD that I gained weight. So it didn’t stop. I reached a threshold where people started calling me chubby, fatty and aunty, post marriage.

The issue comes from all these movies that portrayed only the most beautiful women as protagonists who actually have unattainable beauty standards for an average working woman. Gone are days when people compared themselves with movie stars. This is the generation of Instagram, So generally people started comparing themselves with all those influencers and models. A few people actually wear a lot of makeup and add filters from various applications to get than picture perfect selfie. So an average woman starts feeling insecure. The others around her start calling her fatty, gluttonous and everything offensive.

And the worst thing you can do is internet shaming someone based on the person’s looks. You go anonymous and you are allowed to do anything you wanna do. You are big cowards if you are gonna do that.

     Each and everyone is unique in their own ways. You don’t like someone, you keep quiet!! why do you have to post hatred comments on their pictures or something?? why do you have to publicly insult and body shame the person?? What do you get out of it?? peace??? or a strange kind of satisfaction that you have made someone feel bad???  it affects the overall outlook a person has over himself or herself. It can take a very bad toll over someone’s self confidence. 

And there are other set of people who come up with various ideas, like trying some diet, joining a particular gym and someone even told me that wearing a saree would reduce my tummy. And post marriage, your in laws start commenting on the way you look. Oh come on!! your son isn’t Brad Pitt as well!!! Even if he goes bald and gets a pot belly, no one really cares. Beauty is largely associated with women and women only.

As far as someone is happy with themselves and physically fit to an extend it doesn’t matter if you are fat or fit. No one needs to hear offensive comments about the way someone looks.


And the least you can do is to support them when they are trying to lose weight. Not by discouraging their journey. Each body responds differently to different methods of weight loss. So please stop putting someone off and no one is ready for free advice. 


Written by,

Divya Shankar
Continue reading “Body Shaming – Social Outlook”