Are Relationships of A Couple Just a Piece of Paper?

                                                                                           Source

Once marriage was considered as a sacred institution and love and commitment was the essence of the couple relationship.
Since a few years, the term marriage has undergone transformation and it has more become a pact of convenience…the current generation thinks so and has started believing…consequence broken homes.
People get attracted to Love and love to sail through but when asked for marriage…some back out or buy time…the reason, they (both the gender) are not willing to get into commitment…a fear of losing individuality, freedom, career etc.
Within a few decades, divorce has become common and the reasons for separation are petty and flimsy, in most of the cases. There are cases of mental and physical abuse and it is equally faced by both the gender. The fair sex cases are more reported in comparison to the male because male ego does not let the reality of abuse escape in the society.
These days, there is a huge discussion on different online forums and the way the people describe at times leaves me in disbelief, wondering

“Is the Relationship of a Couple Mere a Piece of Paper?”

                                                Source                      
I find the given Reasons flimsy and a phase of time that will pass soon but people are reluctant to continue the relationship and start looking for walking out of marriage and suing each other.
For the purpose of educating people, who are in a relationship or are contemplating should very well know that these petty reasons are not valid to break the sanctity of marriage.
Reasons put up by the Couples



1.  Adjustment with In-Laws

Both the partners come from different background, tradition, and culture whether it is arranged marriage, inter-caste or inter-religion marriage. In the initial phase, it will take time for both the partners to accept another set of parents and give equality care to them. This is to be understood by both the partners and if any one of them is not at par, then make the partner understand the things coolly instead of locking horns. If required take the help of parents to overcome the weird feelings of each other. With the passage of time, bonding will develop if the interest would be there to maintain a relationship. Mostly girl’s feels bonded in the adjustment issue with the in-laws and it is the right of the boys to make their partner understand and things can be improved by understanding, love, and patience. Putting blame on each other, contemplating suicide or divorce is a childish behavior and it should never be thought of.
2.  Compatibility Issues

Another major issue that crops up in the marriage is the compatibility issue.  The partners are not ready to accept each other interests and flaws. Just compare yourself with your siblings and same age friends does your mental and physical wavelength matches. It never would be the same though brought up by the same set of parents, there is a huge difference in the behavior of siblings. How can you dream of a compatible partner? The interests, hobbies, skills won’t match rather in most of the cases, it is just the opposite. The couple should work on each other strength and try to help to overcome their flaws. It won’t happen in a day, it will take years, so accept the partner and try to nurture by love and care. Over-demanding, cribbing, and nagging won’t reap fruits of love and affection. Don’t conclude to walk out of marriage because of the compatibility issue. These are the things which can be straightened by love, patience and being happy.
3.  Looking for Equality

There is no match in the male and the female, both are physically and mentally different hence the power of doing things and accepting things are different. Don’t compare and try to compete with each other. A woman is strong and has the ability to go through the nerve-wracking labor pain for bearing a child. A man is physically strong but mentally, he is not stable as a woman. A woman can withstand adversity of any kind but a man succumbs easily. Accept each other potentials and help each other in time of crisis.

It is said,

“If you educate a man, you educate one man but if you educate a woman, you educate a family. ”  It is a bare fact.

4.  Second Child Issue

With time, raising a child has gone great transformation and there are cribbing amongst couple for the number of child in the family. Mostly, the first child is welcome but a difference arises in case of a second child. If the wife desires, husband denies and vice-versa. It becomes a major issue of conflict between the couples who have a difference in opinion and both seem to feel that they are been denied of their rights. Don’t fight for it or make an issue. Understand each other point and if you both are physically and financially stable, gift your child a cute sibling. Companionship is important for a child.
5.  Career & Profession

A man becomes eligible for marriage if he is working and financially sound. These days, girls too are working and many families look for a working girl for the alliance. After marriage, in many cases, it becomes a major issue of difference and the couple is at loggerheads. Accept each other professional commitment and adjust accordingly. Check the priorities and though women are working still the major population of the working chunk are males. The males have the responsibility of looking after their family commitments though women too are contributing at large. Mostly, women have to give up and take a temporary leave to take care of a child. The male should support her emotionally and help her out to fight with the guilt of leaving the job. It is an important phase of life and a mother’s lap is the first school of the child. There are cases where a woman has a stable job compared to her man, so judge the priorities and take decision accordingly.
6.  Financial Imbalance

Financial imbalance calls for a lot of trouble in the relationship of a couple. Life is a roller coaster ride and life can be fraught with difficult times. Stand by each other in time of crisis and boost the morale of each other and be the strength to your partner. Don’t curse or abuse your fate or your partner, it is the time phase and this shall pass. Helping each other will go a long way in establishing a long-lasting strong relationship.
Through my post, I request all the couples not to react on these petty and flimsy reasons. There is nothing to fret and fight and walk out of the bonding of marriage.
A couple relationship is a relationship of give and take, both submit to each other physically, emotionally and mentally and a mere piece of paper cannot break the relationship easily.
In cases where you feel low and shattered, communicate with each other with love and concern and give enough space to each other to breathe. The decision taken in haste is futile, give time to assess the pros and cons.
After going through a mess of separation and divorce, partners will be left alone and the scar of losing each other will always be there.

The relationship is just like planting a seed, it takes time to germinate, grow, flower and give fruits. Just as we nurture plants to grow, the same way, we should nurture the relationship and give time to grow.
It takes years to build and seconds to raze, the choice is yours.
Many would criticize my take. I am ready for the brick batting but do give time to think and realize the importance of the relationship.

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Save up to 45% on EMIs with Bajaj Finance Personal Loans!

Bajaj Finserv,
through its lending arm, Bajaj Finance Ltd., is offering its customers a
collateral free personal loan with an option to save up to 45% on the EMIs.
This savings is available to customers availing Bajaj Finserv Flexi Personal
Loans.
The Bajaj Finserv
Flexi Personal Loans allows the customer the flexibility and convenience of
access to any sum of money up to Rs 25 lakhs without the burden of high
interest.  Bajaj Finserv also offers a
unique proposition of flexi personal loan, wherein a customer, as per the
eligibility, is offered a loan amount. The consumer borrowing the amount is
free to withdraw any amount of money from within the sanctioned amount. The
distinguishing feature of this, however, is the fact that the customers only
have to pay interest on the amount they withdraw. The customers have an option
to part-prepay their loan whenever they have surplus funds, without any extra
charge. They can even re-avail the prepaid amount when needed. This way, a
Flexi Loan helps customers tackle their unpredictable financial needs.  While this interest is payable every month,
the total amount withdrawn has to be repaid at the end of the chosen tenor of
the facility. This can help the customers to have a lower EMI up to 45%.
Whether one wants to
manage a medical emergency, plan a vacation, finance higher education, plan
dream wedding, or anything else, these unsecured loans are a source of instant
financing over flexible tenors.
Applications for
Bajaj Finserv Personal Loans is a convenient process and requires minimal
documents. Bajaj Finserv offers end-to-end online assistance, from application
to approval in five minutes and disbursal in the bank in 24-hours with no
hidden charges. One can apply for a loan up to Rs.25 lakh and repay it at ease
by opting for tenures ranging from 12-months to 60-months.
About Bajaj Finance
Ltd:

Bajaj Finance Limited, the lending and investment
arm of Bajaj Finserv group, is one of the most diversified NBFCs in the Indian
market catering to more than 21 million customers across the country.
Headquartered in Pune, the company’s product offering includes Consumer Durable
Loans, Lifestyle Finance, Personal Loans, Loan against Property, Small Business
Loans, Home Loans, Credit Cards, Two-wheeler and Three-wheeler Loans,
Construction Equipment Loans, Loan against Securities and Rural Finance which
includes Gold Loans and Vehicle Re-Financing Loans. Bajaj Finance Limited
prides itself on holding the highest credit rating of FAAA/Stable for any NBFC
in the country today.
To know more, please visit: https://www.bajajfinserv.in

Fastest 24-hour Personal Loan approvals from Bajaj Finserv!




Ranchi,
April 24, 2018:
Bajaj
Finserv, through its lending arm, Bajaj Finance Ltd., is offering the facility of speedily personal loan
approvals for its customers, wherein their applications are approved and disbursed
within 24 hours. The company provides
collateral-free Personal Loans of up to Rs. 25 Lakhs with repayment tenors of
up to 60 months. The loan amount can be used by the customers to meet any of
their urgent financial requirements ranging from vacations, weddings, higher
education or any emergency medical requirement.
The Bajaj Finserv
Personal Loans are redefining ease of access to credit facility for customers
with online application, instant approvals and same day disbursals with lowest
rates of interest in the market starting from 12.99%. Customers who can meet
the eligibility criteria, can avail the personal loan facility and organise
their personal finances efficiently.
Following are the
significant features of Bajaj Finserv Personal Loans which sets them apart from
the rest: –
–       
Higher Loan amounts up to Rs. 25 Lakhs
depending on the eligibility.
–   Flexible repayment tenors are starting from 24 months and going up
to 60 months.
–       
Easy
online application process with minimal documentation.
–       
Quick approvals and disbursal’s within
24 hours.
–       
Existing customers can get
pre-approved personalised offers.
–       
No need for any collateral to avail
this facility.
–       
The option
of flexi personal loans where only interest must be paid as EMI.
–       
Complete control over the account
through Experia portal.
The 24-hour approval
and disbursal of Personal Loan from Bajaj Finserv enables the customers to
manage any financial contingency efficiently, without requiring them to wipe
out their savings. This way they can exercise better control over their
finances and cash flow.
About Bajaj Finance
Ltd:

Bajaj Finance Limited, the lending and investment arm of Bajaj Finserv
group, is one of the most diversified NBFCs in the Indian market catering to
more than 21 million customers across the country. Headquartered in Pune, the
company’s product offering includes Consumer Durable Loans, Lifestyle Finance,
Personal Loans, Loan against Property, Small Business Loans, Home Loans, Credit
Cards, Two-wheeler and Three-wheeler Loans, Construction Equipment Loans, Loan
against Securities and Rural Finance which includes Gold Loans and Vehicle
Re-Financing Loans. Bajaj Finance Limited prides itself on holding the highest
credit rating of FAAA/Stable for any NBFC in the country today.
To know more, please visit: 

How to Save Your Hard Earned Money? #SUPERBLOGGERCHALLENGE2018


How
to Save Your Hard Earned Money?



Money is very important for our survival on planet
and to maintain all our requirements and needs, we need money. The paper
currency is of utmost importance in our life, you can’t buy any materialistic
things in the absence of money.
When we debate on the topic, “importance of money”
there are varied opinions and many disagree that Money is not everything and we
can live without money. This is an emotional outburst, far away from the facts.
Watch a day in your life and see what you can
fetch without Money…Only real happiness and contentment cannot be bought with
money.
In today’s life, even we have to spend to purify
air, use water and buy greens for greenery around….the height is we have to
even buy soil for our garden…nothing comes without money.
So, we need to have savings for ourselves, to meet
unexpected situations, critical illness, child education and retirement
life…and even for beautiful experiences such as travelling to exotic places,
experiencing beautiful moments of life, buying expensive gifts for loved ones
and house renovations or getting a luxurious car.
If you plan your finances well, you can achieve
your accidental and intentional goal, without being in debt.
Plan
Monthly Expenses:
 

Plan your monthly expenses before
venturing for shopping and allot a budget to meet your ends. Put a stop to
compulsive which most people indulge in due to shopping in malls and marts. The
display and attractive discounts lures the customers. Buy what you need and don’t
go after discounts for the articles that you can do without or you don’t need
at all.

In children education, you cannot reduce much but
other superfluous expenses can be curtailed to save for the future.

I don’t know how many will agree with me, but it’s
a fact that a fat bank balance boosts your confidence and you are ready to face
the reality of life or to enjoy in your leisure time.

We all know that drop by drop, ocean is formed and
in same way, we can save few for our regular savings.
Start
Saving from Today

1.  Systematic Invest Plan

Invest in SIP every month. You can
start SIP with your bank account and the amount can be from 500 to any amount
that you are comfortable to part with every month. The results are marvellous
if you go for long term investments. The amount is invested in Mutual Fund
units. There are different SIP’s of different companies and you can invest in
any of them. If you want to have an idea of the results, study historical data
or discuss with your financial planner.
2.  Invest in Health Insurance

Good health is vital and a visit
to doctor for diagnosis and investigations subtracts good amount from our
purse. Go for a health insurance for the family which covers all the members of
the family. The health coverage is essential to meet the needs in urgency and
planned hospitalization. Compare different health insurance and invest in them
which has comprehensive coverage, reasonable premiums and no claim bonus.
3.  Term Insurance:

Term insurance is a must for the
working people irrespective of gender because it secures the future of your
family if you meet with an accidental death. The earlier you start, lower the
premiums. In case of adversity, your standing loans will be covered by the term
plan and your family and kids will get a sum to lead their life and continue
education. The limit of coverage is proportionate to your income and you
require to continue till full length of your service. It is renewed every year
and the premiums are annual.
4.  Shares & Bonds

Put a part of your investment in shares and bonds
that you don’t require in emergency, because share market is unpredictable, so
never put emergency funds into it. The same goes for bonds because bond
investment is for long run and the returns are low but the instrument is safe. Shares
are volatile, it can give good returns provided you have the patience not to
liquidate when market goes in bearish phase. Investment in shares and bonds are
attractive but you require patience to withstand the volatility of market.
5.  Mutual Fund Investment




There are various schemes of mutual
funds for investment. Choose the one that suits your profile and be ready for
long term because gains can be enjoyed only in long term investments. Study historical
data and company information, before putting in the money. Take help of a
financial planner if you are not able to understand the strategy of investment.
6.  Fixed Deposits

You require ready
money in bank accounts to meet your extra expenses or for use in distress. Park
the money in FD instrument, it gives good and certain returns on the investment
and you can choose any scheme with time span from 60 days to any length that
suits you.
7.  Gold Investments

Many people take gold
investment as dead investment but been an Indian, gold investment attracts and
you can invest some part in gold every year. Gold will accumulate to use in the
weddings of your children or if afflicted by bad times, you can get a loan on
the mortgage of gold. The practice of gold mortgage is not welcomed in Indian
society, but it saves you in hard times.
To inculcate saving
habits in kids, inculcate habit of investing in piggy banks.
What I do for the
savings
I invest in SIP &
MF and health and term plan are in force. Annually, I invest some extra amount
in gold. I run recurring deposit in bank to meet the renovation need of the
house or for going on a tour with family and friends. RD investment does not
make holes in my purse and it does not burden me with one time huge investment.
Try these skills and
save your Money.
SAVE MONEY, SAVE YOURSELVES.
Remember, money is not easy to earn and the same goes for investment. Easy investments don’t give much appreciation, long term goals give higher appreciation ans security.
Disclaimer:

I am not a financial
analyst and the information that I have shared is from my personal experience.

Note: This is written for the #SuperBloggerChallenge2018 #Instacuppa hosted by HealthWealthBridge.comFashionableFoodz.com and AllAboutTheWoman.com. The challenge is from 15 Feb – 26 April 2018. 
#SuperBloggerChallenge2018 #Instacuppa

Use Your Credit Card Wisely! #Finances #Expense #Precautions

https://i1.wp.com/www.paisabazaar.com/wp-content/uploads/2018/06/premium-credit-cards.jpg?resize=320%2C213&ssl=1

Nowadays, Credit Card is widely used for marketing of groceries to precious jewelry. People find it convenient to carry and use and it gives freedom of 50 days to use without paying an extra penny for the use within the stipulated time as decided by the banks.

While using the credit card, we need to be vigilant while using as misuse of it can cost dearly.

We know of the advantages of using the Credit card but we should also keep a watch not to delve the details of card or use it at secured sites to save us from fraudulent transactions and cybercriminals.

Every now and then, we come across news of credit card fraudulent transactions and people money been siphoned but we don’t pay much heed to it and continue our transactions in our own way.

Recently, one of my close associates was duped and this news shuddered me inside out and I became extra careful while using it.

Here are some precautions that we need to follow to keep ourselves away from hackers and online frauds.

  • Never ever share your card details with anyone: However, close your friend, family or associate is, never ever share card details with them. A credit card is an individual property and you are the sole owner because, for each and every transaction done on the card, liability is of the cardholder in which name card is issued. At times, the smart cybercriminals pose as bankers and insist to share the details. Don’t be fooled rather complain if ever someone tries to act over smart.
  • Sign at the back of the card: As soon as you receive the card, sign behind on the strip and store at a safe place and within your reach.
  • Don’t keep the Pin and Card together. It’s better if you memorize the Pin rather than writing down but still if you aren’t sure of your memory power, jot down separately. If ever someone comes across, they won’t be able to harm you in any way.
  • Never reply an email which requests to disclose your personal, bank & card details. The emails asking for personal details are phishing emails. Don’t fall prey to them.
  • Update anti-virus software on your system & mobile so that your system or mobile is protected from cyber-attack.
  • Be regular in changing the password and Pin of the card at regular intervals and avoid storing passwords in system or mobile. It may fetch trouble if someone gets hold of your system or mobile.
  • Avoid entering card details on unsecured websites. The websites whose URL does not have “https” are unsecured sites and can be prone to cybercrimes. Take utmost care while shopping online. Even avoid punching card at unknown outlets, there are chances of misuse or cloning of card.
  • Inform Bank immediately if your card is lost, stolen or misplaced. There might be chances of unwanted transactions if someone gets hold of your card so without losing time, inform your Bank and get the card locked. If you change your mailing address, keep your Bank informed.
  • Set Sms & Email alerts for the transactions of your card. This facility will save you from getting duped and save you from unwanted transactions and well help you to be updated of the ongoing transactions on your card.
  • Cross check the Bills of the Credit card: Make it a habit to cross check the Bills of the Credit Card and inform Bank immediately in case of any discrepancy.

Mr. Ranjeet Mudholkar, Vice Chairman and CEO, FPSB India!

Mr. Ranjeet Mudholkar, Vice Chairman and CEO, FPSB
India on the Fourth Bi – Monthly Monetary Policy.
“On account of the RBI keeping rates
unchanged the financial consumer’s best bet is to try to take advantage of the
expected festive loan offers which the institutions may come up on account of
competition among themselves.
At the moment the average home loan interest rate
is around 8.5 per cent with several banks having reduced their MCLR (marginal
cost of funds based lending rate), and not many are expected to lower them any
further in the immediate future.
However, notwithstanding the temptations one
should ensure that due adoption of the One-Third Rule viz. no more than 1/3 of
the Income should be used for paying the debts, expenses within 1/3 of the
Income range, and ensuring that 1/3 of the Income is allocated towards
investments.”
Disclaimer: The article & images used in this blog are the property of pr24x7 & the data is compiled by them.

Teach Your Child to Manage Money! #Experiences

 
 
 
 
 
Parenting is the tough nut to crack and it needs a lot of patience and perseverance to tackle the kids and guide him on right track.
 
 
The unconditional love for our children makes us do the impossible things and Mom is always ready with, “I’M POSSIBLE”knocking impossibilities down.
 
 
Mine journey wasn’t easy. My patience and experiences of my life helped me to fare out well managing both my kids…in spite of heavy turmoil inside, I am able to be cool outside & I don’t have the habit of cribbing rather I abhor cribbers.
 
 
Many people believe that in initial years, the children should be given immense freedom and after a certain age, start curbing them. I am against this practice.
 
 
You have to do the groundwork in initial years and inculcate good values and show them the differences between right & wrong.
 
 
We all learn from trial and error and parents are there to identify and rectify their errors.
 
 
Children are innocent at heart but smart too and catch things easily and if they are left to leave on their own terms, then they will have great difficulty in later life and to keep them disciplined will be challenging.
 
 
Train them with good habits from the initial days of their childhood.
 
 
Managing money is not an easy task and the children should be educated on how to manage efficiently.
 
 
How I Taught My Kids, “Value of Money
 
I am sharing my very own experiences with my two kids. My hubby was lenient towards children and rarely does he lose temper. He believed in pleasing them by fulfilling their demands. I was against this and made him understand that he is pampering them and we will have a tough time to handle them in the future. Initially, he did not pay much heed to it but my constant effort changed his thought and he decided to back out.
 
 
I took the reins in my hand and implemented few rules to follow to Teach them the VALUE OF MONEY.
 
 
We say, MONEY IS NOT EVERYTHING but we all know HOW IMPORTANT MONEY IS.
 
  • Never fulfill all demands: The first & foremost rule is, never fulfill all demands of children else they will not understand its value and how tough is to earn a good sum. Simultaneously, they will learn the
    PRIORITIES OF LIFE and how to prioritize. Secondly, they will develop patience to deal odds of life.
 
My Experience: I was brought up in joint family where my Mum didn’t had the power to  tame me and my all demands were fulfilled.  
 
 
Consequences: Till today if my demands are turned down, I am hurt at
heart. I don’t put up my genuine demands fearing it might not be attended.
 
 
  • Buy Essential things: I see around that the people who are affluent and have several sources of income, they gift such toys and appliances to children which aren’t essential, rather it’s superfluous.
    You as a parent are spoiling them. Buy the things which are best for him as per his age and requirements. They will learn the VALUE OF MONEY AND THINGS.
 
  • Pocket Money: Fix a specific sum of pocket money for the children. Initially, fix a sum for a week and later on spread it for a fortnight & month. Ask them to spend on their toys, stationery, snacks and
    refreshments.
 
My Experience: When my elder son was in KG and the younger one in a nursery, I fixed a certain amount for a week to spend on ice creams, cold drinks, and snacks. I was amazed to find them saving from that meager amount. With that little amount, even we both got a treat from our children, such was the power of money management of those kids.  I pinpointed to my hubby who used to readily give in to their demands to watch how smart they are in spending their own pocket money. This habit inculcated in them habits of SAVING & VALUE OF PENNY.
 
  • NEVER DISCLOSE FAMILY INCOME: If you are on the affluent side, never disclose income to your children. At a tender age, they
    won’t understand the sweat behind the flowing income but will be ready to spend extravagantly. Parents too have to check their expense style. If you are extravagant in spending then you can’t ask your ward to be thrifty.
 
  • REWARD THEM: by buying gifts for them on special occasions and when they do well in studies or maintain discipline during vacations etc. Appreciate them & reward them by giving money to buy the
    things they love to buy or the parents can gift them that their children love to have in their possession.  Even you can gift them a pot of flowers and make them responsible for watering and taking care. This way VALUE OF CARE will be instilled in your child. These small acts will motivate them to do better and get surprise gifts.
 
I shared my experiences of parenting and what I learned from my life experiences.
 
My children are quite spendthrift and they know the VALUE OF MONEY IN LIFE.
 
Share your experiences.
 
 
 
Top post on IndiBlogger, the biggest community of Indian Bloggers

How to Manage Your Finances?

Wish you All a Very Happy New Year, 2017. May this year be
more fruitful and comforting, this is my prayer for everyone, including me.
We all have heard the adage, “LIVE LIFE TO THE FULLEST” & the song pictured on
Rajesh Khanna, “Zindagi, Ek Safar
Hai Suhana, Kal Kya Ho Kisne Jaana”
has allured people to live life Bindaas, keeping the worries aside and
many seriously follow this track.
Even I follow the same but seriously not on terms of Finances,
else we are bound to stuck somewhere in life.
                                                           
Finances is something that one needs to plan according to
the needs and for emergencies, that doesn’t mean that you can’t spend on
superfluous things or on luxuries or on the cravings that one has.
The cravings of spending differs from one individual to another.
Some are keener to spend on entertainment, clothes, books, travel, leisure etc.
The basic needs of food, basic clothing (not required every
month), rent, education, health can’t be curbed, it has to be fulfilled and
further we need to keep stack of amount for the emergencies and tough times.
The basic & emergency needs are more or less same for
all individuals only the capacity to spend depends on one’s earning &
lifestyle. The variation is more in the context of lifestyle expenses and there
comes the need to BUDGET to overcome the habit of over spending or buying for
no reason.
                                                                    Source
How I move with my Finances:
As the message beeps in, a wide smile spreads that finally
the amount is in. We know that we are bound to receive each month, still the
mind lurks for the beep, isn’t it amusing?
I maintain an excel file, wherein the expenses are mentioned
in one row, just I need to add in the break-up of amount as per the needs,
wherein maximum is to make the pay-out to different categories such as grocery
items, newspaper, flat maintenance, petrol, fees & medicines.
A fixed sum is subtracted from the major part to fulfill these
basic needs, and then it comes the investment part, wherein we need to pay for
the premiums, regular deposits, SIP’s & MF’s. All are not monthly
investment but I spare the amount on monthly basis to be rid of huge expenses
at one time. This way, it is planned and we don’t need to take tension to
accumulate the required amount.
The amount that is spared after meeting both ends that care
of superfluous needs, I say superfluous because even without spending on these
items, we can survive.  Still we meet
those expenses to taste the better taste of life and to live life to the
fullest and we earn to live a better life so we need to spend on our hobbies
too.
In my list, to savor cravings, my list tops with clothing,
my wardrobe is full still I indulge in buying clothes for myself and family and
I have weakness for fabrics which includes, bed sheets and curtains too along
with clothes.
Second position is of books & Wi-Fi & Dish TV
package, wherein I spend a fix amount each month. I have kept these in luxuries
n comforts item, because in case of financial crunch, we can do without it.
Third comes the contribution in Social events, at times, it
becomes compulsory needs but if I accumulate amount under this head every
month, then we don’t need to feel the heat of it.
Fourth in my list is Travel and now after getting freed from
responsibilities of kids, I keep a part of it to travel and this craving of
Travel has taken lead now and I am spending a good amount of it, so I save an
amount to meet the needs of travel.
This is my way of planning budget, what is yours?
Do share so that by exchanging views, we can learn more.



Linking this post with @misra_amrita and @Deepagandhi1 for #MondayMommyMoments

Is Reservation Fair ?

The word “Reservation” itself demarcates our social strata, so it can never ever be fair. It has instilled feeling in the masses based on casteism. When I was in my kindergarten days, I used to hear people say that when we will grow up, the caste system would be abolished from the society but what I find today is just the opposite what people thought in the past. This caste feeling has become more rigid than the past times & people have developed ill feelings.


The question is : Why Reservation System Was Introduced?


It was just to uplift the downtrodden or weaker sections of the people & to create equality among the masses. But the consequence is far away. The people of weaker sections have benefited but instead of equality there is a gap been created within the different sects of people. It was introduced to abridge the gap but it has worked reverse.


I agree that there was a time when the backward sections of people were exploited by the upper sections due to illiteracy but the people that are facing the consequences are not at fault. They are just facing the consequences of the deeds of their ancestors.


The concept of reservation was to bridge the gap & not to create a gap. It should be fairly on the economic status of people of society and not on the basis of religion or caste. In spite of providing ample reservation, are the really weak sect of society benefiting, It’s a big “No”


Who are the real beneficiaries ?


The real beneficiaries are those who are economically sound & their kith’s n kin are growing and the one who was weak and ignored are still fighting for their rights.


Reservation should be implemented in a different way, it should be purely on socio-economic level instead of caste level. It will literally benefit the people who are the neglected mass of society and it will sure bridge the gap and it will reap better future for all. It needs to be implemented at grass root level, the economic backward class should be given free education, books, clothes and meals and compulsory education till Plus two level. This way the impact of reservation will be great and far reaching consequences.


Abolition of reservation of seats in Higher Education and Jobs:


When privilege would be provided to the economic weak underprivileged class then there won’t be any need to reserve the seats in Higher Education & Jobs and the ill feeling that has cropped up in society on the basis of General Category, OBC, SC/ST, Minority will stand nowhere in society and there would be amicable understanding among the masses.


Our articles on Reservations needs to be amended in the interests of society. It is more used as a tool by the Politicians to create vote bank and to create a conflict in society.


If we really wish to see smiles on the faces of our students and erase the frowns, time has come for the amendment of the existing policy.


© Ila Varma 2015

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# This post has been written for the Indispire 76  “Is Reservation Fair”

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