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Achsah's journey to financial independence
General Finance
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Chennai, Tamilnadu, India
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

Posting after a long time. Life has been good so far. I was able to make two part prepayments so far, one in May and another in June. Received my variable pay in June and put the entire money towards prepaying my home loan. At this rate, I am all set to prepay this loan by the end of the year.May was a good month with a wedding that I ...
Posted: Aug 11 2018 @ 3:31 AM
What a month this was. Celebrated Easter on budget and splurged on hubby's birthday. Went out for lunch and cake cutting. Haven't gone out in a  a while, so I guess that is ok. There is a wedding in the family and I am going to be the bridesmaid and my daughter flower girl. So have to spend money over there. Other than that it is a regular month. Summer ...
Posted: Aug 11 2018 @ 3:20 AM
Made another payment towards my home loan. This was with my savings in Feb and March and some money from the FDs that I had. Overall I am happy. My principle outstanding is in 6 digits now. Hurray. And my net worth just entered 7 digits. I do not count my home equity in net worth. Since as an Indian I do not think I will sell my apartment. So ...
Posted: Apr 25 2018 @ 9:49 AM
Watching the sensex going down every day has put me in a dilemma. At the start of the year, I decided to prepay my home loan since the market was very high and frankly I couldn't understand why. So I decided to not invest and instead use that money to actively prepay my home loan. My calculations showed that if I do that I would be able to close it ...
Posted: Mar 24 2018 @ 3:12 AM
Spent some time in looking at my finances and where I am currently. I have a Term insuranceMedical insurancepositive net worth - In case of a job loss, I can repay my homeloan and car lease with my pf and gratuityHave a roof over my headMy plan forwardRepay my home loan by this calendar year or at the max by the financial year end March 2019. I will not get influenced by ...
Posted: Mar 17 2018 @ 7:53 AM
Short month. My husband landed a contract job this month. I am so thankful to God for this job. Even though it is for six months only, I see it as a glimmer of hope in my home loan repayment journey.Had an engagement to attend out of station and tickets to book for another engagement in April. Travelled by sleeper class in Feb and booked sleeper class ticket for April ...
Posted: Mar 17 2018 @ 7:42 AM
January was again a high spend month. A big credit card payment from the Christmas purchases and couple of weddings and guests at home with lunch/dinner made all my budget go wary. To give myself a boost, I made a part prepayment on my HL. Made withdrawal from my MF, since it was at a very high valuation and some money on my own made this prepayment.Hopefully February will be ...
Posted: Mar 17 2018 @ 7:26 AM
December was a month where our expenses sky rocketed and I lost all control. This being Christmas month and we also travelled to our native by car and gifts to give to people we visited there, our expenses were way too much. Hopefully I can make it up in 2018.Some learnings - I had some old jewellery that I never wear. I am of the firm belief that even though ...
Posted: Jan 21 2018 @ 10:16 AM
A rather late post, but better late than never.November went in better than expected. We travelled by sleeper class for the wedding I mentioned.  I was able to control my expenses and felt pretty happy.Also I encashed my Jeevan saral. So a big win there. And found I have another LIC policy for which I paid single premium way back in 2010. Going to leave it as such and wait ...
Posted: Jan 21 2018 @ 10:02 AM
A quick update on how we are doingDirect MFSomewhere towards the end of last month converted the last of my regular MF units to Direct MF units. No more paying commission to some random company. I was not aware of direct MF when I started my investment journey, so gave my account opening form to my bank (convenience since being a salary account a bank representative will visit our office ...
Posted: Nov 07 2017 @ 1:09 PM


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