Till last year, I never calculated my expenses. I always had a ball park figure in my mind that I might be spending about 10L expenses annually with about 6 lakh on cards. This year beginning, I sat and calculated total expenses for last year and also card wise how much I have spent. I realized two things. First my expense is way higher. Second, I need better cards. 🙂 You should probably look at them too. 4 lakh should give you at least 10 to 12k (underestimating) saving on cards. With premium cards (which you should have with 14L spend), you may be saving up to a lakh easily.
