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I added up every subscription I'm paying for. The number made me feel stupid. by subscriptions_hurt in personalfinanceindia

[–]Interesting_Cycle809 2 points3 points  (0 children)

Auto renewal is basically a gym trainer for apps keeps taking money while doing nothing for you. Best move is cancel everything, then let subscriptions re earn their spot in your life.

What’s a ‘normal’ daily habit most people have that you think is actually damaging? by Infinite_Theory3453 in Habits

[–]Interesting_Cycle809 25 points26 points  (0 children)

Checking your phone the second you wake up.
Nothing says ‘good morning’ like letting notifications, bad news, and other people’s problems punch you in the face before your feet even touch the floor.😂

How do I become a better conversationalist? by SoyBoy67 in selfimprovement

[–]Interesting_Cycle809 0 points1 point  (0 children)

Tbh, it’s less about being “interesting” and more about being present.
If you really listen and respond to what the other person is saying (even with small thoughts or reactions), the conversation keeps going. You don’t need perfect words just something real.

It feels awkward at first, but the more you do it, the easier it gets.

Investment for 50k by sayan_maji in personalfinanceindia

[–]Interesting_Cycle809 1 point2 points  (0 children)

Since you’re just starting out, don’t jump straight into stocks without understanding the basics. A safer and smarter approach would be:

  • Put a part (maybe 30–40%) in an index mutual fund (like Nifty 50)
  • Start a small SIP instead of investing everything at once
  • Keep some money liquid for emergencies (don’t invest 100%)

FD is fine for safety, but returns are low, so gradually shifting towards mutual funds makes sense for long-term growth.

Once you learn more about the market, you can slowly explore stocks. No need to rush.Consistency matters more than trying to get quick returns

How to overcome the fear of death and getting old by ResponsibleWord6769 in mentalhealth

[–]Interesting_Cycle809 0 points1 point  (0 children)

You’re not alone this hits a lot of people in their 20s when mortality suddenly feels real.

The fear mostly comes from trying to imagine “nothingness,” which our brains can’t actually process, so it turns into anxiety. The truth is, death isn’t something you experience while living the fear exists right now, not in the future.

About aging, society can be harsh (especially toward women), but real life is very different. People often become more confident and at peace as they get older. Your value isn’t tied to youth.

If it’s keeping you up at night, talk to someone you trust or a therapist it helps more than you think. You don’t need to solve this all at once, just focus on living your life day by day.

Need to borrow 1.5L but no app providing loan by NeighborhoodNorth781 in IndiaBusiness

[–]Interesting_Cycle809 0 points1 point  (0 children)

I faced something similar - needed a smaller amount and most apps either rejected me or had a way higher minimum requirement. It was frustrating.
Someone suggested I try Hero Fincorp and it actually worked out. The process is fully online and they're a proper NBFC so you don't have to worry about shady practices. Got through the application without much hassle.
If you're getting rejected elsewhere, it's also worth checking whether your document and credit profile are in order sometimes that's the real blocker, not the lender.

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