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Apartment or own house? Which is better?

Several times this is one question that pops up in the minds of first-time home buyers. In this write-up, I would consciously abstain from giving out any concrete opinion but would like to bring about some facts that one may like to evaluate before arriving at a decision. Is house your life’s priority? Before we go any further, I believe this is one thing we need to ask ourselves. Owning a dream house may not be everyone’s dream. You could be passionate about many things in life other than a house. It could be cars, travel, or any other passion like music or art. If that’s the case, you may gladly excuse yourself from the race of buying a house. Yes, I would say that owning your own home does bring in a lot of security in life and if you ask me, you should have your own home. But that need not necessarily be a full-storied villa. It may be a simple apartment suited to the needs of you and your family. One floor vs. Complete unit Now if you are in the other group, where ownin...

How to save enough money by the month end?

We all have possibly been caught in situations where we make a budget, note down all heads of expenses, and calculate savings, only to sink into utter disappointments towards the end of the month. Some of the other expenses seem to pop up slowly digging a hole into your estimated amount of savings. So where did all the money go? Well, often there’s no definite answer. And, needless to say, if the savings do not seem to pile up we may surely end up being empty-handed one day. So what’s the way? How can we follow a robust saving plan that would help us avoid getting precarious towards the month's end? Accepting the Limitation of Resources First and foremost, it requires an understanding of the fact that all the resources, in this whole world are limited. Especially if you’re a salaried individual. So, before you spend on something that you believe is a must-ha ve, take a minute to think whether is it something you really need? Can you live without it? Can you postpone it? More...

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