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Monday, 9 December 2024

EARN MONEY BY MONEY

 EARN MONEY BY MONEY



Here what I write or discuss is based on my  experience it is not to convince anyone to follow my Strategies it is only to strengthen my belief in myself, but this may give you some idea or information because learning from others experience is best learning. 

This is the requirements of always. If one wants to be rich then one must know this art. Generally people believe in saving the money while rich believe in earning more money. 

People who know this art how to earn while you sleep only they become rich other people always remain poor. 

It easy to earn more money by investing comparatively earning  money by doing some work. To earn money by money is little easy. 

Try to search where you can invest and how you can get maximum return. Generally one should try to invest in 

Equity

Property

Gold

Mutual Fund

and avoid keeping the money in the banks. Bank give you less return and that is almost negative because of inflation while above mentioned items beat the inflation. 

One should make the rule to save at least 10 percent of once own earning. By compounding that ten percent can be many times. 

In compounding time plays big role. Investing little miney for long time is equal to investing much money for little time. 

Try to save as much as possible of your earning and invest that into some mutual fund schemes. Mutual fund manager manage you money professionally and grow your money in the long time. 

So invest and don't restrict your expenditures but develop extra earning sources. 

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Sunday, 8 December 2024

HOW TO USE CREDIT CARD

 


Here what I write or discuss is based on my  experience it is not to convince anyone to follow my Strategies it is only to strengthen my belief in myself, but this may give you some idea or information because learning from others experience is best learning. 

               CREDIT CARD

Using of the credit card is an art. This art can give you mental peace or mental troubles. All most all have information about the interest free period of 50 days. 

It means one can enjoy the money for 50 days without interest. It means one can buys things by credit card and one will have to pay after 50 days. 

If one utilise this strategies strictly  and continuously the one can gets some reward points and one's credit score will also increase.

                            Blinkit

If someone is not able to pay the bill of the credit c aa rd then he will have to psy hefty interest aldo. The interest of the credit card is very high between 25 to 30 percentage. 

As for as my self is condemned I use credit card for whole month for different uses and at at last I I pay the  whole bill of the credit card on time. 

So there is liquidity of money for whole month, and I earn reward points also. 

Always keep the points related to the credit card

Pay the bill on tim

OVER USED THE CARD

Keep record of your expenditures it should not be used to purchase things which are no longer required. 

If you follow this strategy then you will have mental peace otherwise mental trouble we will have to go through. 

So like and share it ,if you like and follow this blog. 





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Saturday, 7 December 2024

CREDIT CARD LIMIT



 Here what I write or discuss is based on my  experience it is not to convince anyone to follow my Strategies it is only to strengthen my belief in myself, but this may give you some idea or information because learning from others experience is best learning. 


  CREDIT CARD LIMIT

Generally it is asked that one should have the credit card with big limit or lower limit. The answer is that it depends on individual to individual. 

But there are some set rules are there. Many people have mis conception about Credit Limit also, so first we will understand about credit limit. 

What is credit limit? 

The amount which you can spend from your card is credit limit it is set by the bank depending on individual's  profile also. If there is 

GOOD CREDIT SCORE

EARNING CAPACITY

ONE's REPAYMENT HISTORY... 


So keep good neat and clean financial profile. 

Cash limit

Cash limit is the maximum amount! which you can withdraw from the ATM at a time. 

Now which type of limit one should try to get. 

Many people think that they should have credit card with huge limit. Ip personality prefer to have credit card with lower limit. 

If unfortunately there is some fraud activities then you will not trape in big financial crisis if you have the credit card with lower limit. 

If you like then follow and dhare my blog. 

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MORE THAN ONE Credit Card

 


Here what I write or discuss is based on my  experience it is not to convince anyone to follow my Strategies it is only to strengthen my belief in myself, but this may give you some idea or information because learning from others experience is best learning. 


                   CREDIT CARD

Keeping more cards are also beneficial because naw a days specific credit card are available and thry provide specific benefits such as

 UPI CREDIT CARDS

 FUEL CREDIT CARDS

 SHOPPING CREDIT CARDS..... etc

But keep in your mind that your expenditures must be in your control and always alert that which credit card you should use to get much benefits. So use the credit card wisely and get benefits. 

Some credit card offers much reward points and those rewards point can be converted into the cash reward also, so having such credit card may be beneficial and joining fee is nill and life time free credit card is available then go for it, this will be best. 

These are my views share it  if you like and follow my blog. 









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Friday, 6 December 2024

LOAN AGAINST CREDIT CARD

 


 Here what I write or discuss is based on my personal experience it is not to convince anyone to follow my Strategies it is only to strengthen my belief in myself, but this may give you some idea or information because learning from others experience is best learning. 


HDFC CREDIT CARD

It is said that loan is liability it is not good in any circumstances. One should avoid taking any kind of loan because there is component of the interest and Banks, companies which provide the loan are not there to help you,but they are there just to earn money from interest.

Personal loan ,Gold loan ,Gold on credit card  all are not good but Loan on Credit card is worst because it is the loan where if you could not deposit on time then you have to pay hefty interest,but on the same time it is the loan which can be taken easily if your credit score is good.

If your credit score is not good then oviously you will not get loan and if you do not pay loan on time then it will affect your credit score badly.

So when to take loan of credit card?

When you think and confident that by that loan you can earn more then you must take the loan.Like many a times we witness market is at lower level then that time you can take loan an invest in NIFTY ETF.

When any particular share comes at lower price then you can purchase the shares but not in huge quantity because one should live within one's financial limit.

Loan is also taken in calculate manner ,take only that much which you can easily repay without any burden and tension.

Take the loan for maximum one year because after repayment you can take benifits of future opportunities also.

At last keep in your mind loan is not good avoid it and do not taken the loan on the credit card because of higher interest rate but when you are confident of using the loan in better way ,then you can takethe loan.

these are my views if  you like then share it otherwise ignore it .

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Thursday, 5 December 2024

Investment when market falls

 




Here what I write or discuss is based on my personal experience it is not to convince anyone to follow my Strategies it is only to strengthen my belief in myself, but this may give you some idea or information because learning from others experience is best learning. 


When market falls continually then every one becomes fearful and starts having panic because that time one forgets that it happens because it happened in past also and it is an opportunity not a betrayal or cheating, deception . 

Every time many people witnessed that market again achieve its height and starts trading at higher level because of this nifty is 24000 around today on 4 december. 2024

So one should buys shares or nifty ETF. I personally feels that nifty ETF will be better because shares may go down and remain at lower level from days to years but  Comparatively

Nifty has better chances to go on higher level. 

So conclusion is

Don't panic during market fall and keep some amout to invest in such golden times because it gives chance to earn much profits. 

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Wednesday, 4 December 2024

क्रेडिट कार्ड

 




क्रेडिट कार्ड का प्रभावी उपयोग आपके क्रेडिट स्कोर को बढ़ाता है, कैश बैक पॉइंट प्रदान करता है और आपकी वित्तीय स्थिति को बेहतर बनाता है। क्रेडिट कार्ड का उपयोग करने के कुछ महत्वपूर्ण नियम इस प्रकार हैं। 

1.  न्यूनतम भुगतान से बचें

 क्योंकि इस स्थिति में आपका ऋण जस का तस बना रहता है और यह आपके क्रेडिट स्कोर को प्रभावित करता है और ब्याज के रूप में बिल के अतिरिक्त भुगतान को कम करता है। 


2. समय पर भुगतान करें

  समय पर भुगतान करें क्रेडिट कार्ड का बिल समय पर या समय से पहले चुकाना चाहिए और बेहतर होगा कि आप क्रेडिट कार्ड बिल की ऑटो डेबिट सुविधा का सहारा लें। 

3. पूरी सीमा का उपयोग न करें। 

कार्ड की पूरी सीमा का उपयोग अपनी आवश्यकताओं के अनुसार न करें, अपनी इच्छाओं के अनुसार करें क्योंकि ज़रूरतें तो पूरी हो सकती हैं लेकिन इच्छाएँ हमेशा बोझ बनी रहती हैं और व्यक्ति का मानसिक शांति भी खो जाती है।

 4. रिवॉर्ड पॉइंट 

बैंक की नीति के अनुसार हर खर्च पर रिवॉर्ड पॉइंट मिलते हैं। इन रिवॉर्ड पॉइंट को बैंक की पॉलिसी के अनुसार पैसे या अन्य चीजों में बदला जा सकता है। यह अतिरिक्त आय होगी।


5. क्रेडिट कार्ड का नियमित उपयोग अच्छा नहीं है।


आपातकालीन निधि रखें और अपने हर खर्च के लिए क्रेडिट कार्ड का बार-बार उपयोग न करें। क्योंकि आपको क्रेडिट कार्ड का बिल समय पर जमा करना होगा। यदि आप कार्ड का पूरा भुगतान नहीं कर पाते हैं तो आपको न्यूनतम शेष राशि जमा करनी होगी और इससे बिल की राशि कम नहीं होगी, इसलिए यह अतिरिक्त खर्च होगा।


6. नियमित रूप से स्टेटमेंट चेक करें।


व्यय को ट्रैक करने के लिए नियमित रूप से स्टेटमेंट चेक करें। विश्लेषण कर सकते हैं कि कौन सा अच्छा है और कौन सा खर्च है। विसंगतियां आ सकती हैं, जिन्हें ठीक किया जा सकता है।


7. ऑफ़र के बारे में सावधान रहें।


ऑफ़र मुफ़्त नहीं हैं, कुछ छिपी हुई नीतियाँ, छिपे हुए शुल्क भी हैं। बिक्री बढ़ाने के लिए दिए जाने वाले ऑफ़र को समझने की कोशिश करें, न कि आपके लाभ के लिए। इसलिए जब ज़रूरत हो तभी खरीदारी करें, अन्यथा इससे बचें।


8. दिखावे के लिए क्रेडिट कार्ड का इस्तेमाल न करें


ऐसा देखा गया है कि कई बार मूर्ख क्रेडिट कार्ड धारक ऐसी चीजें खरीद लेते हैं जो उनकी इच्छा सूची में नहीं होतीं, लेकिन वे ऐसा दिखावा करने के लिए करते हैं। इस प्रथा से बचना चाहिए।


9. अलग-अलग कार्ड का इस्तेमाल।


अलग-अलग कार्ड रखने की कोशिश करें और उसी के अनुसार इस्तेमाल करें क्योंकि कुछ कार्ड ऐसे होते हैं जो यात्रा में काम आते हैं, जो ईंधन भरने के काम आते हैं... क्रेडिट कार्ड का उद्देश्यपूर्ण और खास तौर पर इस्तेमाल करके आप बहुत लाभ उठा सकते हैं।


10. कस्टमर केयर नंबर रखें।


कस्टमर केयर नंबर बहुत महत्वपूर्ण होता है और कुछ प्रतिकूल परिस्थितियों में संपर्क करना ज़रूरी होता है। कोई भी धोखाधड़ी होने पर तुरंत बैंक को रिपोर्ट कर सकता है।


ये मेरे विचार हैं और इसे मानने से पहले अपने विवेक का इस्तेमाल करें।, इसलिए अगर आपको पसंद आए तो इसे शेयर करें। धन्यवाद।

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