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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

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
This is a mistake which I realized very recently and I am still working at correcting it. And it is related to my mobile payments. I was having a airtel post paid connection for the past 10+ years and I must have at a minimum paid them upwards of 70,000INR during that time. Last year when Jio was introduced in India, I hesitated initially and then finally got additional Jio ...
Posted: Jun 14 2017 @ 12:29 PM
It was way back in the year 2008. I just had Ms. Achsah and we were literally spending all the money that I was earning. So my mom forced me to buy an apartment even though there was no need for it. We were not going to stay in it. And so after the big economic crash and just before the real estate crash, we booked our apartment with a ...
Posted: Jun 10 2017 @ 10:48 AM
I write under the pseudo name of Achsah to maintain anonymity. I have been reading a lot about FIRE movement and wanted to embark on this journey myself and what better way to keep myself accountable than start a blog.I am 36+ now, happily married, single income and one kid. I consider myself asset rich (few inheritance expected, so hopefully will have some physical assets) but when I calculate the ...
Posted: Jun 06 2017 @ 12:44 PM


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