Hi guys, welcome to this personal finance blog! No wonder you are thinking this is another of those many blogs talking about steps to lower your monthly expenditure, finding great deals in shopping and talking about great places to invest your money. You are right this blog will talk about all those things, but the important focus will be on how I am achieving this. This blog will be more like what I have done, and not what you should do. In a way the techniques and tips are tried tested before I ask you to follow. Blogging is not my day job, it is one of the ways to indulge in what I like and making money out of it. for last few years I have followed PF blogs, incorporating the teachings from them. No, always the tips do not work. You can’t go on living frugal life and accumulate wealth. At one point of time you have to use the wealth you accumulated to give you satisfaction. Money in bank gives happiness, but money that goes into buying things for your loved ones brings happiness for many. Other point is, when can you start using the money you
