My Finances – September savings

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Welcome to My Finances!

This is my ninth-month update since I started this page.

The purpose of sharing these numbers is to show how a small sum of consistent investment can compound over a period of time.

I got inspired by the blogger a purple life who shares spending & numbers on her blog.

In the month of September, a few unexpected expenses like Motorcycle repair came. It swallowed up half a chunk of money, I planned to save.

Click here: How I paid off my credit card debt in 6 months?

But still, I managed to save about 13000 INR in the month of September. My savings rate for September is 11%. I hope in the coming months the savings rate will increase considerably.

My Finances – Investments


Mutual Funds – 210000 – Present Value – 237000

Individual stocks – 201000 – Present value – 238000

My Mutual fund holdings are primarily index funds, tax-saving funds, and little exposure to US market index funds. No more active funds, as I switched all of the mutual fund’s units to passive funds (except for tax saving fund).

I contributed 10000 rupees in tax saving account. Remaining 3K went into index funds.

Positively, My individual stocks are hovering at 13% to 16% return from negative returns. I am excited about it!

Note: All numbers are in INR.


My Finances


Credit card debt.

Its NIL. You can check how I cleared my credit card debt in six months on my finances page.

Gold Loan:

I Topped-up my gold loan for remaining value. This amount was used to support my shifting. Now my gold loan stands at 1,72,500 INR. Will start to pay 3000 or 4000 rupees from October onwards.

My Pace of paying this debt would be tortoise rather than hare. So you can expect this debt will remain for more than a year or two.

As long as I pay the interest every year, I can renew the loan tenure. Not much hassle from the bank like credit cards.


This loan has been paid off in July month! So Nil.

Thank You for reading!

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