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



life, Uncategorized

Saving up or piling up???

“If today were the last day of my life, would I want to do what I am about to do today??? “

                                                                                                                                   – Steve Jobs

 Once a sage was asked about the attributes and traits which make the human beings  unique.  He said,” everyone and everything in this world has an end, but man saves  up as if he is gonna be  immortal.”  Due to evolution ,  all the living  organisms  save  up for future and it becomes a necessity. This trait is actually inherited biologically.

For a thousand years, after  undergoing so many  famines, the  body  tuned  itself  to  save up the unused calories as fat, which could be  used up when  there is no  proper  intake of food. So, again, when the fat stored becomes excessive, it becomes fatal.

When you plan so much for the future, you lose all your present moments. In this run, we end up thinking, what if it is not enough; hesitate to spend what ever you actually  have in abundance. You keep buying things and keep running a rat race  to save up even  more, endlessly.


As said, excessive consumerism is bad, Excessive saving up  is  also bad. Of  course,  being  stingy and carefully  planning expenses,  are way different from  each  other.  There is  a fine line.  When it rains,  if you are planning  to save up some  water  after taking  a shower, it is called saving up. And on the contrary, when you  don’t  take a  shower  when it is summer and wait for the monsoon, it is called stingy.

Happiness- the one magical word everyone is running  behind,  is  usually  decided  upon  having a master-degree  from  a  reputed  college, 6 digit salary,  8 digit  bank balance,  being a NRI,  holding a green card  and what not.  And you  don’t  keep  a  limit  to yourself.  We set a goal and decide to smile from the heart only when it is achieved. But do we? No,we keep running for more and more. But to be happy, all you need are those little priceless and magical moments.

In a high- rise apartment, there lived a miser who accidentally slipped off the  terrace. In the  process of falling down, when he came near his balcony, he screamed  and asked his wife not to prepare breakfast for him as  he would  be no  more  and  food would get wasted. Alas!! He died.

On the death-bed,  no one actually thinks about  saving up or  anything of that sort,  all they regret is those moments  they could have had or the time  they  could have  spent  with their families.

There are certain kind of people who have this habit of not discarding things which    are  utterly insignificant. It is actually discovered to be a mental disorder. It is termed  as  hoarding disorder. Those posts, letters, old calendars, bills or receipts  etc  are never  thrown away by these people. Hoarding disorder is a persistent difficulty discarding or  parting with possessions  because  of a perceived  need  to save them.

A person with  hoarding  disorder experiences distress  at the thought of getting  rid of the items.  Excessive accumulation of items, regardless of actual value, occurs.

Hoarding often creates such cramped living conditions that homes  may be  filled  to  capacity, with only narrow pathways winding through stacks of clutter. Counter tops, sinks, stoves,  desks, stairways and  virtually all other surfaces  are usually piled with  stuff. And when there’s no more room inside, the clutter may spread to the  garage,  vehicles, yard and other storage facilities.

When someone saves up more than needed, he is tagged a thief. You are stealing everyone’s wealth.

“That balance between consumerism and saving up needs to be maintained, then peace  shall prevail. “

Written by- Divya Shankar



The hindu, Tamil – by Dr. Ramanujam, 27-jan-18, Saturday


Architect uses blood as building material…..

Architecture graduate Jack Munro saw the potential of “one of the most prolific waste materials in the world” —animal blood—and has set out to prove that it can be used in construction. By mixing the blood with sand and then baking the mixture, he was able to produce insoluble bricks—while they may not be super strong, these bricks are at least waterproof. Believing that such bricks may be used in arid climates like the Middle East, Munro also advocates that the production of blood bricks can be a viable income-generating business. Currently, he is seeking funds to build a prototype single-story house with his innovative bricks.





Form follows function………….

It is the pervading law of all things organic and inorganic,
Of all things physical and metaphysical,
Of all things human and all things super-human,
Of all true manifestations of the head,
Of the heart, of the soul,
That the life is recognizable in its expression,
That form ever follows function. This is the law……….

                                          by, Louis Sullivan….



When I went to a lady and asked ” What if a primary school is built here?” she said that everyone would be very happy with it as it is very near to their residence and they would be even more contented if that school provides quality education. This happened to me during my visit to a slum rehabilitated area about a week ago. This is an area on the outskirts of my city. I, being a second year architecture student, had to visit the proposed site which was located on this area. My objective was to design a school that socially suits but at the same time it should meet the requirements of the people. I was asked to take a social survey from these people and i went around the streets and observe the activities around it.

Each  person i met, put forward different kinds of needs. i found them to be very weird as I have never met people like them. I found one thing common, nobody, whether they liked their habitat or not,whether all their wishes were fulfilled or not, they had no traces of unhappiness, neither were they not contented. They were very joyful with all they had. They neither had the blackberry’s nor vertu’s. nor BMW’s. They were leading a happier life than what I’m leading. I never caught crabs from a gutter or from a large puddle after a heavy rain. I used to find these disgusting, but now , I feel the little drops of joyfulness, when I captured these lovely moments on my camera. I used to think only the Jaguar’s and the i-pad’s can buy me happiness and make me feel awesome, as if i have achieved everything. But,these people gave over it by showing that happiness has nothing to do with your posh attitude and stuffs. 

I learnt the most valuable lesson from these people that ” If life gives you hundred reasons to cry, show life that you have thousand reasons to smile”.


Decided to paint your walls???? check this out…………..!!!!!!!!!!

Just try conducting a little bit of experiment on your own by walking into the rooms of different colors. And when you are done just see how you feel. Now check out the color chart below.

YELLOW: trust me or not, yellow might make you smarter. It is said to promote mental stimulation and may help you think better. If you want your studying to pay off, of course, start cramming up in a yellow room. (Whoa!!!!!! Watch out Einstein!!!!!!!!)


painting your room pink might improve the outlook of your room.


These are the most popular bedroom colors. They are categorized as cool colors on the color wheel. Thus they have a great cooling effect. ( Try sleeping in these rooms, and catch the most of the zzzz…….’s


It is the color of purity. It is said to have a cleansing and purifying effect. ( In a desperate need of organisation????? Try white!!!!!!!!!!!!!)


NOT really a very good choice for bedrooms. It is said to make people angry and agitated.


Good choice for bedrooms but not for the kitchens, restaurants and dining rooms. As blue depicts poison, and none of the food materials are in blues (except for the berries), you may feel sick with the food stuff in front of you and the blue.



how architecture is related to the conservation of resources??

Architects are the people who make optimum use of space, materials available locally etc. The most challenging part in this profession is construction of green buildings. First, the building can be designed in such a way that it has a passive cooling inside its surfaces for which most part of the energy is being used. Next, locally available materials that are durable can be used. For instance, instead of river sand, fly ash can be used as an alternate material. And also, fly ash bricks can be used in the construction in the place of ordinary bricks. These small steps can save the precious natural resources. Our most critical resource is electricity, for which there are many sources to produce them. But the most tragic part is that during the transmission of electricity, there is a remarkable loss of 40%. The question is how is architecture related to the conservation of electricity? Here comes the use of clean and green energy, a space must be generated for the use of solar panels. Here, the designer must be very careful because, the use of these should not spoil the aesthetics of the building. Due to which there is not much of transmission loss and that the building can be free from power cuts. This may be appear impossible, but this is implemented in the city of Germany where the solar panels are placed on the rooftop of the buildings. Then, comes the energy used up by the factories and industries, where the use of energy can be reduced if possible, which is positive in most of the cases. The architect must design in such a way that the factory and industry should not affect the environment much. The contribution of an architect is immense in the conservation of energy and resources.