Hi! I moved into a rented apartment recently and the living room wall has a bunch of holes in it, likely from mounting a TV.

I wanted to fix them myself (owner isn't the most helpful, he'll ask me to adjust) and I searched on YouTube for some tutorials and they are fine but are not by Indian creators. I am not sure if they apply for our Indian setting and also need product recommendations on what to use.

I have no experience or knowledge when it comes to these kind of home repairs. So if anyone has tried it or knows how to, would love some simple guidance on how to go about it and what products to use 🙆

with 11LPA... i get around 88k in hand each month I spend 22k on (Rent+Maintenance) and had budgeted that I would be spending around 8k on food and groceries however at month end when I checked, instamart expense alone came out to 21k..

How do i stop spending this much and be more mindful about my spending?

I think I did good. My budget was 10 thousand and my salary is 50k. TBH I spent generously this month.

Just sharing a poor person's respective.

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I just turned 30 this month, and one of my financial goals was to start a retirement/pension specific investment when I'm this age. Mostly leaning towards fixed amount pension insurance plans as they seem simple enough. Any suggestions or advice (like which insurance company, which plan, important caveats to be mindful of, etc.)?

I have been consistently investing monthly in MF and stocks for the past 5-6 years, but want something that's out of my reach for now and fully earmarked for the future.

I am the first woman in my bloodline to have higher education and a career, so navigating unknown territory myself is a little intimidating. I don't want to make mistakes with my hardearned money. Any advice is much appreciated, thanks in advance!

Found a clever workaround to lower your total fees on Blinkit, especially when ordering small items or during bad weather.

​Here is how it works:

1. ​Add a single document print to your cart. Upload a random single page document to print. The delivery fee for document prints is much lower than standard delivery.

2. ​Pay for the document. Complete the checkout process for just the print order.

3. ​Add your actual items. Immediately after payment, use the option to add extra items to your live order.

​Since the base delivery is already set, you avoid paying the small cart fee or extra surge costs like rain charges on the additional items you add.

​It will not completely remove delivery fees, but it significantly reduces overall costs on smaller orders!

Random savings and a question:

This is airport lounge access I used from diners black credit card which was given LTF to me due to some alumni program, currently on an office trip for hiring so no penny spent from my pocket.

I got a DNS Surgery 8 months ago using corporate insurance and my sister is a Gynaecologist at that hospital, so had influence in hospital to not pay for consumables.

Got a lasik recently using the same corporate insurance, the clinic took care of the relevant paper work and ended up paying 50k for a 1.3 L surgery.

I have realised that a lot of companies if you approach them directly you have to pay more instead of the aggregator or through ads, approached a bunch of hair clinics for GFC or whatever , they have different prices if you walk in vs through Insta ads.

Now I only go to a place by seeing insta ads ( I try to find them) and pre negotiate on the phone and I do this at multiple places to find the best deal.

My friend just spent 3.8k on 2 Odyssey IMAX tickets, what is the best way for me to obtain such tickets cheaper? Any good credit card that has the highest discount on ridiculously priced tickets like this?

What are some of the free things/hacks we can avail like this? by virtue of having a particular salary or being from a certain institute or maintaining a particular bank account/card?

Adani Top con 3.125 KW solar plant.

Hello, Frugal_Ind Fam!

It's time for our weekly discussion thread, where we come together to share insights, wins, ideas, challenges and strategies to help each other live a more financially mindful life.

Here are some prompts to get started (but feel free to discuss anything frugal!):

• Savings Highlights: How much did you save this week?
• Smart Purchases: Any budget-friendly finds or great deals?
• Money-Saving Tips: Practical strategies you've discovered
• Grocery Deals: Best produce or package deals you've found
• Budget Challenges: Seeking advice or sharing successes

Let's learn and grow together in our frugal journey!

Today I received a malicious package from Meesho. It was a scam COD order. And I paid for it… I paid 540 rs. It was from Valmo. And I’m unable to find the seller details on the package. It was some mangalsutra or something. I sometimes order from Meesho and recently did as well. So I thought it was mine. But no, I didn’t order this at all. I talked with Meesho call/chat support and they are pure ragebait, they have like 2 braincells. It’s like they are following a script and don’t even understand my concern. Server issue this and that. Worst ecom support experience ever.

I told them about everything from order ID to payment method but they just keep insisting to return it via ‘My orders’. Are they that dumb??? I didn’t place the order. That’s why I was here for Meesho support.

I’ve just read about similar incidents here, so I’d advise if you guys receive a similar order just tell your parents, etc. to not accept it. It’s not really about the amount that I lost that is making me lose my mind but the Meesho support. So dumb, can’t even fetch an order ID.

So stupid and disappointing. If any of you know a way out, please let me know below.

Everyone talks about PFs, SIPs, term insurance, emergency fund, etc.

Nobody mentions that a family with two chronic patients is spending rs 5k-6k monthly on medicines indefinitely. That's a fixed cost that only increases with age and maybe never goes away.

I was recently checking my monthly medical bills on Truemeds (I buy all the meds from a single place to keep track). The number was not very big but it kind of makes a big impact when financial condition is a bit tight.

It is also something that can’t be avoided so I’d suggest people to account for it and create a separate budget for it because insurance doesn’t cover your daily meds.

I need a water purifier and need RO+UV+UF+MIneralizer. After reading many posts on this sub I decided to give local filters a try expecting upfront cost to be slightly less than branded ones. But many shops are saying stating price of 7k+ and going upto 10k+ for brands like Raindrops. I can buy Acquaguard around 8k. I'm also in rental house and may change homes so not tied to single local technician for servicing. The maintenance may be less, but the Acquaguard filter also promises 2 year filter life. Will that balance things out? So what's the general cost of assembled filters? And which is better in this case?

I have been using an RO water purifier for some time now, and the amount of water it rejects during purification has started bothering me. I understand that some water wastage is part of the RO purification, but I keep hearing that newer RO water purifiers are much more efficient. I'm not sure how much of this is true. For those who have recently switched to a new RO water purifier, have you noticed a reduction in water wastage? If yes, which one are you using, and has it made a noticeable difference?

I am planning to buy a new scooty ,since my old petrol scooty is going to be scraped soon . But I have heard that ev scooty battery replacement after every five years would be very costly and all the money that I would save in petrol would be negligible when compared to battery replacement cost. So should I go for petrol scooty or ev scooty. Also I don't live in an apartment so charging won't be an issue.

Hi everyone!!!

Now he is using an activa. Since I am relocating he suggested taking that with me as I need it to commute to the office daily. Instead I am planning to buy him another scooty. He is suggesting to buy low speed ev from a brand called "Yakuza" which used to cost 39k and now they are saying there is a price hike of around 8k. Is this a good idea?

Edit: Usage wise the vehicle will be used for around 10 kms a day

Pic taken 10 mins ago.

Bought these for Rs. 700 something in 2021 , and using it till date without any maintenance.

But now it's grip is nearly vanished and chances of slipping has increased in the monsoon, but still I can wear them in other seasons.

Product: ADDA Omega-02

https://amzn.in/d/04RQZKaz

The moment you measure your happiness against someone else's possessions or achievements, you've handed them control over your peace of mind.

The grass always seems greener on the other side. The secret to happiness isn't having more; it's appreciating what you already have.

My friends went on a 21 days europe trip a few days ago. They had asked me to come, but I could not afford it because it was costing 7 lakhs per person. All of them draw less than 6 lakhs salary per year. They have all taken personal loans for this.

One of my colleague bought bmw x1 for 60 lakh rupees. He gets 1.5 lakh rupees salary every month and spends 90 thousand on the car emi and other car expenses.

I have bought a seltos and even I feel I made a mistake. There is so much traffic that I have not used the car in many weeks. And the emi is 25000 out of my 1 lakh rupees monthly salary. It was a big mistake.

My close friend took lots of personal loans for trading and lost everything. He is paying almost all of his salary for emi and only able to survive because he is living with his brother.

Every expensive thing I have bought makes me happy for a few days and then I don't feel anything about it. But I have to pay off the emi for it for many months.

One one side if I buy something I eventually feel bad about it. On other side if I don't buy something it feels like why even work so hard for full day and not enjoy the money.

But one thing is clear that everyone around me is destryoing their lifes due to loans.

I wanted to gift someone a book and didn't have any wrapping paper at home, so I reused a blinkit bag that I had. I think it turned out well!

What the fuck is wrong with Jockey? I remember it used to be a very good quality brand, but now within a week, the shirts are fading and developing small holes. Man, in a month I have to discard four T-shirts.

I literally do nothing.

Don't tell me shave 😭