Category: Financial Management

Strategies and use techniques to optimize short and mid-term cash flow, assets and liabilities, as well as to collect and synthesize information relating to personal financial statements, cash flow and debt, asset acquisition, liabilities,
education planning and emergency fund provision

Value of Money is Time

Hey there, My Money Box Community! 👋

We’re all familiar with the Time Value of Money (TVM) concept, right? The idea that a Rupee today has higher value than the same Rupee tomorrow, all thanks to its potential to earn in the meantime.

But here’s a twist! Let’s flip the traditional equation — consider that Money equals Time 🕔💰. Sounds pretty deep, doesn’t it?

Here’s the catch. Money isn’t just about affording material possessions or experiences. It’s also about buying control over your time. Essentially, it’s about achieving autonomy. I think this often gets overlooked.

Consider this – each Rupee saved equates to future time that’s under your control. Conversely, every Rupee of debt represents a fragment of your future that’s essentially owned by your lender or bank.

Buying a posh house 🏠 or a shiny new car 🚘 is exciting. Certainly, it is! But does it compare to the freedom of managing your own calendar 📆, the liberty to invest your time as per your wishes?

So next time when you’re saving, remember it’s not just your future money, but also your future time that you’re securing!

I’d love to hear your thoughts on this perspective. Are you controlling your time, or is it being controlled by your debts? Let’s get the conversation rolling! 💭💲🧮

Don’t Worry About Things That You Can Not Control

Do you think forever before investing? Do you worry about money? This would help…

The 3 key things which can help in calculating the amount that will returned on an investment are as follows:

a. Amount to be Invested (P)
b. Duration of Investment (T)
c. Rate of Return (R)

Mathematically (& simply) put the Maturity Amount (A)  for this investment is represented by the following equation: Continue reading “Don’t Worry About Things That You Can Not Control”

If you want to Invest regularly…Don’t track expenses

A lot of websites on personal financial planning ask you to track where you spend your money and use that information to cut down on spending and increase the investments. When you are doing this you are essentially looking at the following mathematical equation between Investment, Income and Expenses: Continue reading “If you want to Invest regularly…Don’t track expenses”

A simple system to become wealthy

An existential question – How do I become wealthy? There are many ways to answer this question however the essence remains the same every time. In this blog I will try to summarize this in using a simple system that anyone one can use and increase their chances of becoming wealthy. Continue reading “A simple system to become wealthy”

Keep Calm and Invest On

While I am writing this – Britain has decided to exit from EU, India Markets are down about 2+% and there are many posts on how to make the most of this event. Some are suggesting buy more to average the cost while some are suggesting sell all and then re-enter the market later. With so many different pieces of information flying around, I would suggest that Continue reading “Keep Calm and Invest On”