Things to do this year

Happy new year everyone. I am exploring new features of DD. So, I decided to write something today. I wrote whatever came to my mind. Please don’t judge it.

Personal Finance

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DO’s

• Unclutter your financial mess. Keep track of your credit cards, pay later services etc.

• Keep your receipts with you. Sounds funny. But I keep those credit card slips and shopping bills with me, at least for 3 months. I keep the shopping bills with me because they come handy while returning the product to your local supermarché.
• Keep an account of all the expenses and income.
• Check your credit score regularly.
• If you don’t have a credit card then try to get one.
• Have at least two bank accounts with a leading pvt bank and a PSU bank. In my opinion as SBI account is a must. A PSU bank, e.g. Union Bank of India is a must to be able to deposit cash without any fee.
• File your ITR. File ITR even if you have 0 income.

Don’ts

• Randomly open credit card accounts because of lucrative rewards.
• Don’t be a spendthrift. Know your requirement and spend as per your needs and capacity to spend.
• Don’t lend to untrustworthy people.
• If you are spending more while shopping with your friends then don’t shop with them.
• Don’t take advice from random people.

Stock Market

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Do’s

• Open a brokerage account as per your need.
• Follow your stocks regularly. At least know your stocks.
• Keep trading and investment accounts separately. If you are a stock trader then consider a flat rate broker like Tradeplus (https://tradeplusonlin...m/). You will save a lot of brokerage that way. Some big brokers offer flexible plan if you manage to get them certain turnover to them.
• Educate yourself. Try to earn while learning. Learn in a live market scenario with limited money.
• If you are a speculator then try to risk the money you can afford to lose.
• Celebrate small victories.

Don’ts

• Don’t follow random people.
• Don’t randomly open trading accounts just to earn some quick money.
• Don’t fall for scam calls.
• Don’t risk all your money in a single bet. Diversify and manage your risk appetite.
• Don’t over trade. Market was there before you, it’s there while you are here and it will be there even if you cease to exist. So, have some patience.
• Don’t mix investment and trading concepts.

Relationships

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Do’s

• Mutual respect is the key.
• Mutual trust is the foundation of mutual respect.
• Respect your partner’s right to privacy. Just because you are the bf/gf/hubby/wife that doesn’t give rights to interfere with their privacy. Bank account passwords, OTPs , social media accounts, private message are not meant to be shared.
• Compliment your partner.
• Try to do something for your significant other. Even the small things matter.
• Detect the telltale signs. If the partner is behaving weirdly recently then be frank with them.
• Please seek help of your mutual friends if things are escalating.
• Please respect their life choices and circle of friends.
• Always try to reciprocate the feelings. Do the small things like kiss, hug. In my personal observation people really love things done in a platonic manner.
• Please get tested for STDs before becoming serious. It will raise eyebrows but safety should be of the paramount importance.
• Grooming, maintenance of hygiene are important.
• If you can’t cope with a personal loss/bad break up please seek help. 9152987821 is 24X7 helpline number for iCALL https://icallhelplin...g/. Talk to a relationship counceller.

Don’ts

• Don’t expect the things that you won’t share.
• Don’t hesitate to let go of past.
• Don’t cling to a cheating partner.
• Don’t cheat.
• Don’t force them to choose either you or their family. You won’t leave your family no matter what. Please don’t force the same on your partner.
• Don’t confiscate money from their salary. If they share their money voluntarily then it’s okay. Dynamics of every relationship is different. Please don’t compare yours with others.
• Don’t assume fantasies of your partner as cheating. You might be able to control them in physical level but you can’t conquer their minds. 🙂
• In my opinion by being friends with your ex is a bad thing. That’s a personal opinion.

Personal Well-being

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Do’s

• Learn a new skill. Learn a new language.
  
• Good relationship with people around you is the key. 
• Health comes before money. Please see a specialist if an ailment bothers you.
• If possible do Yoga, exercises regularly. 
• Exercise is a part of life. Exercise and fitness is not the life. 
• Please choose your friends wisely.
• Please be a good friend.
• Habits take time to form. Please stick to your routine.
• No risk no gain.
• You can’t please everybody. 
• Stand up for yourself.
• Over speeding kills. 
• Loud music leads to hearing loss.
• Reading is a good habit.
• Try to know your limitations.
• Try to future proof your purchases but don’t over do it.
• Live in the present. Past was a good old day, future is uncertain, all we have is the present.

Don’ts

• Don’t engage in foolish talks.
• Don’t talk loudly about your dreams. A ton of people will be there to discourage you. 
• Don’t fall in to peer pressure.
• Don’t hesitate to say sorry.
• Don’t bother to apologize just to save the relationship. If they respect you then they will understand.
• Don’t follow every social media accounts you just liked. 
• Don’t stop dreaming big.