HOW TO SAVE MONEY

Hard times are coming. To avoid difficulties, strictly follow the following:

1. Do not use credit cards to buy things unless u have money in the account.
Do not buy with credit cards to spend tomorrow’s income today

2. Do not take any bank or other loans to buy durables, cars, houses etc. future is uncertain. Do not buy if you don’t have means to buy today

3. Do not buy any shares now because it is a bear market. You will have to wait for 3 years to get returns of 10% p.a. you might lose everything in meantime

4.Defer purchase of house even from your own money as market is crashing. You will repent paying too much if you buy now

5.DO NOT TAKE HOUSING LOAN even if interest goes down. Remember, your loan is what helps the builders to jack up prices artificially. So you end up paying higher than what you should, your interest saving is gone and you have borrowed more and not getting value.
If your income goes down you will lose everything and be on the roads

6.Avoid posh hotels and restaurants where you pay 100% more just for so called ambience for an hour

7.Do not indulge in gift culture by giving gifts indiscriminately. Avoid celebrating father, sister, brother, lover, hater, teacher day etc. They are only to fool you to spend

8.Avoid multiplexes where you pay double. Go to regular theaters

9.Take jobs in your own town as far as possible, where you have place to stay

10.Ignore ppl who criticize this advice. They won't help u in your difficulties