How much saving you have till now i need motivation please
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Hi all,
I have a offer from Perficient and joining in 2 months time. Question :
1: how is the company in terms of job security and projects? I work with web analytics
2: How is the hike and work life balance.
3: Attrition rate
4: Hike is good but will it be a safer vet like Accenture Operations?
Need some views from people working there.
Thanks in advance.
Hi fellow fishies!
Can someone please explain what is “SUPPLEMENTARY allowance” in my payslip??? It is the highest in my entire payslip, more than basic salary. Basic is lets say ₹7 lac annually and supplementary bonus is ₹7 lac 40 thousand.
Can someone please explain why this exists in my paylslip, is it good or bad from tax perspective and shall I ask my HR to decrease it???
Please help asap.
Opus Consulting
BGC becoming strict in all companies these days

Relatable right ! 😂😊

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YOE - 8.5
CCTC - 25L
Portfolio - 1.25cr.
2 storey building in tier -2 city, constructed thru savings only. - 50L
Mutual Funds + Stocks - 20L
PF+ NPS - 10L
Liquid - 30L
Gold + sgb - 10L
Investments in business - 5L
Debt - 0
Been to onsite for couple of years to Europe that maximized my savings.
For MF tracking I use GROW app, but I'll do.any transactionas directly on the respective MF house website. Stocks - ICICI Direct.
I've 8 YOE. Had my Personal Loans settled recently.
I had been deeper in debt for quite a lot of years but now I don't owe any money to nobody.
Zero balance is better than minus balance.
Chief
Debt in credit card and personal are disaster.
YOE: 9
CTC: 42 switched (8 months back with 200% hike)
Equity: 16 L Mutual Funds
RSU Stocks: 39L ( currently reduced by 60%)
Savings: 25 L
Total: 77L
Zero debt with own house.
Github( Microsoft ) CI/CD Devops Automation. Worked with an org for a very long time and obviously below market CTC. Here they gave me this CTC without negotiating so I grabbed it with open arms😹
Yoe 12
Networth 110 lakhs
With 10 L cash and 80 L in real estate (plots)
Yoe: 7
CTC: 18
Saving: 🟠
Portfolio: -12000
Flat: Maa Baap ka
Car: KiA baap ki.
10 yoe
12 lac stocks
10 mf
2 lac gold
80 lac flat (50 lac pending)
Are bhaio… Motivate Karne Ko bola demotivate Nahin…😅
Rising Star
bhai seekh yahi milti hai ki, only मोटा वेतन is मोटीवेशन!
Bro wth
Yoe:4
Ctc:6.9
Savings:6.3 L
Pf:84k
Assets: none
12 lpa
Yoe - 2
Savings-1.6 lakh
Had suffered great amounts of losses in these 2 years on the family front health wise, financially and emotinally, cant explain, so much of the income went over there only keeping my family up.
For the first year my salary was 3.5 lpa. Then made a jump to 12 lpa and living in bangalore had to send money back home and take care of myself as well. Have started saving. Lets see how much further i go.
I've no loans on me.
YOE - 4.5yrs
CTC - 28LPA
Loans - 85.5L(70L HL + 11L PL + 4.5Private Loan)
MF+Stocks+PF=4.3L
Need to took flat because my family didn’t had a home since start.
And due to some bad family finances I have to took all the PL to clear out the same.
All loans clear 25 LPA saving😊
YoE: 10
Total investments: PPF+ULIP+PF=13 lakhs
Savings account: 3 lakhs
Purchased plot: 27 lakhs
Personal loan: 7 lakhs
Yoe 8 years
Savings account : 19 L
Ppf : 9L
NPS :4.5 L
Gold : 1L
Is this good till date?
haven't bought any house or car yet mostly lived out on rented apartment
Enthusiast
Try to diversify into MF/Index fund and also think about lapping up 2-3 shares of your current employer on monthly basis for next 5-7 yrs .
30 L so far. All equity other than EPF. AGE 31. Will be adding a sip of 75 k moving forward
Saving kya chiz hia bhai mai toh 3-4 months ka aane wale salary already credit card se spend kar chuka hu😭
Yoe: 2.5
CTC : 9 lakhs fixed
Yoe : 8
Current salary - 24 lpa ( but it was less everytime in comparison of market trend)
MF - 6.5 lakh
Stocks - 8.2 lakh
Fd and rd - 22 lakh
Ppf - 12 lakh
Pf - 5 lakh
Gold - 20 lakh (gifted by parents and inlaws)
Chief
I own 3 houses worth 2.5 Cr each. My YOE is 8 and cctc is 13. I do Intra day stock trading daily since 6 years and been making an average of 60k daily since.
Options kills😋
10 years of experience I have created 1 crore of assets by savings. No debt. No credit card. I used to save first 50% to my savings account. And invested in real estates.
10 yoe
25L spent on home
7L liquid
YOE 9
CTC 42
Savings 6 L
Portfolio 12L
Don't want to buy a flat- it doesn't seems to be a wise decision at this point of time
Traveled a lot, and living life king size.
HDFC bank ctc 42LPA? I was not aware HDFC pays that much
Yeo - 4.5
Cctc - 17.5 lpa
Cash and savings - 12 lacs
Open Plot 5000 sq feet - bought for 10 lacs now its worth 70 lacs
Gold - 5 lacs
PF - 2 lac
Shares - 1 lac
From where you get tips for buying land?
How are you guys able to save so much in 2-3 years?
I started off in TCS, and struggling with rent and travel ticket costs itself.
Chief
In tcs you cannot save anything. You have to move out of tcs to save something