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I work in US Tax and had an experience of 3 year. Had got an offer of 14Lpa in another big4,but still don't feel like continuing in US Tax. As taxation is something I do feel like I don't want to make a career anymore, because of work life balance & also as it specialised. Please suggest other option worthy to make a career shift. You guidance will be extremely helpful. My highest qualification is M.com.
EY KPMG Deloitte PwC.
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I followed Dave Ramsays Financial Peace University course. I didn’t follow exactly, but still was a game changer for me.
I second this... He is amazing
What’s worked for me is splitting my direct deposit. I split between my checking and savings accounts. If I don’t see the money, I won’t spend it.
This is exactly how I was able to start saving!
I also started to take out cash at the beginning of the month for little, unnecessary expenses (like a manicure or getting lunch out instead of bringing something from home), instead of charging them or using my debit card. I stopped that during COVID, but it's what helped me become conscious of how much those little expenses add up.
I also use a spreadsheet for budgeting (one tab for savings, one for checking, one for credit). I color code so I can easily see what categories I'm spending the most on and where I should cut expenses, and I budget ahead with known and estimated monthly expenses.
I also set for myself a minimum amount that I didn't want my accounts to drop below, even though it meant paying off credit card debt from a medical emergency a little more slowly. I know others who would disagree with that, though. Once the debt was paid off I was able to increase my savings minimum. In other words, I did it little by little.
Dave Ramsey can be controversial but it can’t be denied that his process does work. I have his book Total Money Makeover and it outlines the steps in order to take to be completely debt free. It does require discipline at which point the comment above about splitting your direct deposit is a great option.
I will admit my financial situation has changed many times and I have fallen off the wagon several times. I am just getting back on it myself we have a house, a car and mountains of student loan and credit card debt, but if you follow his steps it could all be paid off you just have to stick to it. I just paid off a credit card and am on track to pay off a second one in a few months.
Sometimes hobgoblins have good advice hidden in all their little bridge riddles 😂
I found it was helpful tracking funds in separate bank/accounts and splitting my direct deposit 65/35.
One for the monthly budget/minimum payments and the second to accumulate a a larger payout towards debt or small emergencies.
It helped me discern what was going to be extra funds and what I was going to apply to a debt and was able to ‘snowball’ out of a good portion of debt without impacting my savings.
Snowball it. Start with your lowest debt and go from there
Try ‘her first 100k’
Having roommates, half the cost of living, major savings