Many people cringe at the thought of a budget. Budgeting sounds like nit-picking about finance and a lot of work to keep tabs on expenses, planning etc. It sounds highly restrictive in the traditional sense. However there are ways to simplify it and make it automated, so that once you set it up correctly it … Continue reading Budget – Grow the tree upside-down
Refinancing an existing mortgage is a major decision and there are many factors that you take into account, to ensure that you benefit in the long term. I recently refinanced my mortgage from a 30 year 7/1 ARM to a 30 year fixed rate. One of the straightforward reasons of refinancing is when you are … Continue reading Don’t twist your ARM, fix it !!!
The title is from the childhood story where the Pied Piper helped a town get rid of the rats and drowned them in the river by playing his melodious music. The second part of the story is that after the rats were got rid of, the town did not pay him. So a very sad … Continue reading The Paid Piper of Hamelin
I was very fond of music and used to break dance in my school days. We had a picnic some day and I wanted to arrange for music to entertain my friends. But in my home, I did not have a portable music player except the turntable, which was not exactly portable. So I borrowed … Continue reading How a cassette player caused debt aversion
Many of us who grew up in the 80s and 90s will remember or would have seen Vinyl records on the shelf. I too had a turntable at my home and was very fond of it. As I grew up, the turntable and the 4 records that my Dad possessed became a big source of … Continue reading The vinyl records