🚨 Build a Personal Finance Tracker on Sheets

• Bank Accounts
• Mutual Funds/SIP
• Stock Holdings
• FDs / Gold
• Loans and Credit Cards

Automate Data Using Google Finance

Simple Monthly Exercise That Can Improve Overall Personal Finance and Net Worth Once the individual line items are sorted, you can build a simple dashboard

This one is from the very own sheet of yours truly, maintaining this for over 8-9 years now

🚨 Bought Google Pixel 9 Pro XL For ₹44,100

• Coupon Discount : ₹31,779
• Exchange Value : ₹21,850
• Credit Card Discount : ₹10,000
• NC EMI Discount : ₹9787

Received These Extra Benefits

• Google Store Credit : ₹10,000
• 1 Year Gemini Advanced : ₹23,400 Google has recently launched their online store in India

Pixel 9 Pro XL is flagship and would cost ₹1,04,999 if one is ordering now

Similar pricing on Flipkart too

Invest in a Good CCTV Camera at Home

Invest in a Good Dash Cam For Car

Invest in Good Health and Term Insurance

You’ll Never Regret These 3 Investments For people asking for CCTV 👇

We use Tapo TP-Link

Added 256 GB Class 10 Memory Card

Loop recording with Alarm, Light, Talk feature

🚨 Visiting Japan Changes You as a Person

I Spent Last 2 Weeks in Japan 🇯🇵

And Everyone Should Visit This Country Once

Here’s Thread With All Important Details 1) Flights and Itinerary ✈️

ANA and Japan Airlines usually run ‘Round Trip’ promotions for around ₹40,000

Otherwise ₹25,000-30,000 with Low Cost Airlines and ₹50,000-₹60,000 for Direct Flights

ANA is such an Excellent Airline 👌

🚨 eSIM is Such a Magical Technology

Also Never Buy SIM at The Airports

They Were Quoting ₹3250 for 7 GB (7 Days)

Bought 500 MB/Day for 7 Days at ₹183 Online

Save This Thread For Next International Travel Here’s the Website :

Think of this as SkyScanner but for comparing different e-SIM/Physical SIM plans across the world

Good people at @esimdb made it super easy for everyone (didn’t realise they are following me here already) esimdb.com

🚨 Visited Sri Lanka and Nepal Last Week

Total Expenses was Around ₹20,000 Including Flights, Hostels, Public Transport, Meals

No Credit Card Points, Plain Budget Travel

Here’s Important Things You Should Know • Flight Ticket ✈️

₹5280 for Delhi - Colombo (23 Hour Layover) - Kathmandu

I intend to visit Kathmandu almost every year for the Darshan of Shree Pashupati Nath

Spotted a great deal back in November with 24 hour layover (planned) in Colombo

whatsapp.com/channel/0029Va…

🚨 Indian Railways is Launching Super App

‘SwaRail’ is a Super-app Integrating all Important Services of Indian Railway Such as

• Train Ticket Booking
• General Tickets
• Platform Tickets
• Running Status
• Catering
• Rail Madad

I’ve Beta Access, Here’s How It’ll Work 🧵 Beta Access is available for TestFlight Users on iOS and limited number of Android Devices

🚨 RuPay Credit Cards Work with UPI

But Many Banks Don’t Want You To Covert Your Credit Card To RuPay From Visa/Mastercard

But Why? What is the RBI Guidelines?

Here’s My Experience with Bank of Baroda I have Bank of Baroda’s Eterna Credit Card for the last 2-3 years

This is the Topmost (Flagship) product from BoB Cards, I received in Mastercard Variant

🚨 Japan Visa Approved From New Delhi

You Can Get One at Just ₹500 Visa Fee

Here are Important Things, Share & Bookmark I applied from VFS, New Delhi

15 Days Stay, Valid for 90 Days

🚨 We Visited Mahakumbh Today with Family

Don’t Miss This Once in a Lifetime Opportunity

Important Thread with Tips and Insights That Will Help You Plan Your Travel in Budget 🧵 How To Reach Prayagraj

• Prayagraj Airport
• Major Railway Stations

- Prayagraj Junction (Main)
- Prayagraj Cheoki
- Prayagraj Sangam
- Subedarganj
- Naini Junction (Nearest)

In case flight is expensive for Prayagraj, you can take a flight to Varanasi or Lucknow

🚨 Got 3 Enquiries Deleted From CIBIL

You Can Get ₹100 Per Day Compensation if Inaccuracies Aren’t Fixed Within 30 Days

Bookmark and Share This For Awareness

Here’s How You Can Do It Yourself 🧵 Visit Official Website of CIBIL

Link - ?

Create an account or login

Ensure you’re using same mobile number and PAN registered across bank and credit card accounts myscore.cibil.com/CreditView/log…

🚨 4 Important RBI Rule for Credit Cards

• New Credit Cards
• Inactive Credit Cards
• Credit Card Closure by Customer
• Delay in Processing Refund

Here’s Everything You Need To Know

Bookmark and Share For Awareness 1) Automatic Closure Within 30 Days

For new Credit Cards, if you don’t activate it within 30 days. The bank must/should close it automatically

Important - They can’t charge Joining fee if you didn’t make any transactions

This was my Yes Bank Marquee Credit Card 👇

Google Maps Was Launched in 2005

But This Indian Company Started Back in 1995

They Sold Licenses To BMW, Mercedes Benz, McDonald’s and Billion Dollar Companies

Founded by an Amazing Indian Couple

This is an Inspiring Story of MapMyIndia 🧵 Once upon a time in India, a vision was born—a vision to map every nook and corner of our country.

Finding navigation was not as easy as it is now! 😌

But a husband-wife duo, Rakesh Verma and Rashmi Verma dared to build a business around Digital Maps

🚨 NPCI Has Launched UPI Circle

Now You Can Share Your UPI and Bank Account with Kids, Senior Citizens, Friends and Family

But How Will This Work?

Here’s Everything You Need To Know 🧵 This Feature is Currently Live on BHIM and Few Selected UPI Apps, More To Come

You Will Find an Option - UPI Circle

🚨 More Than 16 Lakh Indians Gave Up Their Citizenship in The Last 10 Years

Over 8.35 Lakh People In The Last 5 Years

But Why Indians Are Leaving India?

Here Are Some Shocking Statistics 📊 Here’s The Data of The Last 10 Years

2.25 Lakh Renounced in 2022 (Highest)

🚨 Important Thread on Credit Card Rejection

Banks Often Reject Your Credit Card Application Despite Good Salary or Credit Score

Here’s How You Can Appeal (E-Mail Format)

And What’s RBI Policy? Share for Awareness a) How Banks Process Your Application?

Every Bank has its policies for approving a credit card application such as

• Age
• Income (Salary/Business)
• Credit Score
• Address etc
• Used Credit Limit

While Credit Score Plays an Important Role, But there are other factors too

🚨 Important Thread for Financial Safety

Someone I Know Got Their Primary Bank Account Blocked Because of Some Random UPI Transaction

Avoid Using UPI with a Primary/Salary Bank Account

Here are More Details 👇 He Received a Credit of around ₹1200 via UPI

The Next Day, Account was 'Debit Freeze'

Upon Visiting the Branch

He got to know that this was done by Cyber Cell

🚨 We Visited Mahakaleshwar Mandir 🛕

Divine Darshan of One of the 12 Jyotirlingas

• Accommodation
• Bhasmarti
• Sheeghra Darshan
• Prasadam
• VR Durlabh Darshan

Bookmark and Share for Awareness • Flights and Trains ✈️x🚞

- Nearest Airport - Indore

- Nearest Railway Station - Ujjain

Ujjain is very well connected with all major railways stations across the country

You can also take a train from Indore to Ujjain, Airport Cabs may charge upto ₹2000 for a one way

What Made Radhakishan Damani "The Retail King" of India?

This is the Fascinating Story of ‘D-Mart’ 🧵 Radhakishan Damani is the founder and chairman of the Retail chain D-Mart opened on May 15, 2002

He's also a well-known and regarded Investor, His Estimated Net Worth is ₹1.5 Lakh Crore as of January 2024

💡Fact: He Founded D-Mart at the age of 48.

🚨 How UPI Apps Make Money?

UPI is a Public Good, Free For Users

But How Do Apps Like PhonePe, Paytm and Google Pay Make Money When It’s Free? There are many avenues like

• Platform Fee
• Subscription Revenue
• Affiliate Marketing
• Loan & Insurance

Here’s a Video For Quick Learning

Subscribe For More

yt.openinapp.co/UPI-Monetisati…

🚨 Planning To Buy a New Home?

Real Estate is Unorganised in India

There are Experts But You Should Also Do Your Own Homework

• RERA
• CERSAI
• Registration
• Taxation

Here’s a Thread from Our Experiences

Bookmark and Share for Awareness 1) Flat or Land? Metro or Smaller City?

This is an extremely personal choice

Factors in Our Decision-Making

• Family Roots
• Quality of Food and Air
• Cost of Living
• Parent’s Preferences
• Hospital, Railway Station (Less than 2 KM)