nickchets
TF Buzz
Hey guys, I'm pretty new to TechnoFino community & I've found it to be really helpful with providing guidance related to finance. I’m trying to build my credit card portfolio & have started to acquire some cards since turn of last year(I know I'm late to the party!). Nevertheless, I would really appreciate your help & welcome any suggestions/pointers.
Below are my requirements:
Age : 35, married with house-wife & a 3 year child
Monthly Income : ~180k in hand
Cibil : 802
Expenses/month :
I'm generally frugal but have some international travel plans in next few years. So, looking to venture into miles accumulation game, though I'm not really versed with it. Prefer LTF but not opposed to spending a fee if its worth it. Thanks!
Below are my requirements:
Age : 35, married with house-wife & a 3 year child
Monthly Income : ~180k in hand
Cibil : 802
Expenses/month :
- Grocery - 12k
- Utility Bills (Electricity, etc.) - 2k
- Medicinal Expenses if applicable - 4k
- Society Maintenance/Property tax - 3k
- Fuel/Car maintenance - 4k
- Movies and Dining - 7k
- Education - 12k
- Loans(Home/Car) - 30k
- Vacation - 30k
- Misc (one off purchases) - 20k
Rest goes into Savings/Investments
- HDFC Tata Neu Infinity (Since Dec 24/ LTF) -
UPI (1.5%), Utilities (5%), Education (1.5%), Medicines (10%) - SBI BPCL Octane (Nov 24, 1500/year waived off on 2L spends) -
Fuel(6%), Offline Groceries(2.5%), Dineout & food ordering (2.5%) - Federal Celesta (Jan 25, LTF) -
Movies(B1G1 on BMS) - AU Ixigo (Feb 25, LTF) -
International Spends (1.5% with 0 Forex), Travel bookings (10%), Online spends (2.5%) - Amazon ICICI (Feb 25, LTF) -
Amazon Shopping (5%), Uber (5%) & Gift Cards (~2-5%) - IDFC WoW (Feb 25, FD based) -
Random spends for building wife's CIBIL
I'm generally frugal but have some international travel plans in next few years. So, looking to venture into miles accumulation game, though I'm not really versed with it. Prefer LTF but not opposed to spending a fee if its worth it. Thanks!
