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Procrastination is a habit and habits die hard. The dictionary meaning of procrastination is ‘to delay or to postpone action’. Most of us, sometime or the other procrastinate or delay doing things and only a few of us actually agree or realise. However if we take an example, it shall positively communicate, most of our […]
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Recently I was talking to a client who was approaching retirement – both of his parents are alive. To my question, “Do your parents stay with you?”, he politely replied, “No, we stay with our parents”. This one line created a lot of respect for the client; but the question is, will we be that […]
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Slow and steady wins the race , they say. But the tortoise, which vanquished the hare in breasting the tape, in Aesop’s fables, is not everybody’s idea of a winner. Like the hare, many sleep through their working lives. They wake up one day and decide to do something about the lost moons. When they […]
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The idea of working just for you and becoming self-employed lures many persons. But before taking the plunge one should be very much clear about his personal and business goals. Self-employed persons are more concerned about their business rather than personal finances. Your Income swings in business should not hit your personal life. And also […]
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Many times when we sit with clients for financial planning, we observe that their documentation is in a mess. Most of them don’t have written expenditure statements like monthly household expenses including groceries, fruits, vegetables, milk and other purchases. There are many cash outgos for AMCs for various consumer durables, pest control, school fees etc […]
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