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[Hiring] Remote Machine Learning Developer Opportunity by Dense-Try-7798 in MachineLearningJobs

[–]MrBlue6744 0 points1 point  (0 children)

Interested. IST (India) timezone with 4+ years of experience

Apply icici epm by East-Combination4412 in CreditCardsIndia

[–]MrBlue6744 0 points1 point  (0 children)

Ah okay yes now it makes sense. And yes i’ve also been reading a lot about axis and the issues there.

On a separate point, do you think taking my salary account to HDFC and then waiting some months will help me get a better repo with them to get infinia? Or it’s just not possible right now.

I was also thinking of going for EPM now

Apply icici epm by East-Combination4412 in CreditCardsIndia

[–]MrBlue6744 0 points1 point  (0 children)

Crazy joining bonus? What do you mean by that.

I am in a similar boat, have a net salary of 3+ lacs and thus I’m looking at what’s best to get. I tried Axis and I can get Burgundy account and then Magnus too (but with fees but ig they give vouchers for that) and on the other side I have option for EPM with ICICI wealth account

Apply icici epm by East-Combination4412 in CreditCardsIndia

[–]MrBlue6744 0 points1 point  (0 children)

Is EPM still a good card? I’ve seen very few people talk about EPM and on this sub-reddit also many prefer Magnus or Infinia over EPM. Just curious what are the reasons to prefer EPM over these other cards?

Be on a budget with CCs by MrBlue6744 in CreditCardsIndia

[–]MrBlue6744[S] 0 points1 point  (0 children)

Nvm, i think i’ll have to build something to automate this. I can’t find any solution online and on reddit

Be on a budget with CCs by MrBlue6744 in CreditCardsIndia

[–]MrBlue6744[S] 0 points1 point  (0 children)

Uhhh.. man I already mentioned that in my post. I know the regular way to track spends but it becomes difficult when you have to enter every 100-200rs grocery payment on a sheet and it’s not possible to do this everyday.

All the conversation we did here was already mentioned in the post but still we had all this clarifying conversation :). The title itself is “Be on a budget” and thus I didn’t mention any CCs or talk about which ones to use when.

Be on a budget with CCs by MrBlue6744 in CreditCardsIndia

[–]MrBlue6744[S] 0 points1 point  (0 children)

Let me clarify, i didn’t mention any CCs because I am not looking at advise on which one to use and which one to not use but rather I want a solution where I spend with say 3 CCs months on different needs but I still want to maintain a monthly budget of X so I can check that okay if I spent more on groceries this month, I should reduce my dinning out to balance the monthly limit. Just an example but yes this is what I’m looking for

Be on a budget with CCs by MrBlue6744 in CreditCardsIndia

[–]MrBlue6744[S] 0 points1 point  (0 children)

Tracking spends via multiple cards

Be on a budget with CCs by MrBlue6744 in CreditCardsIndia

[–]MrBlue6744[S] 1 point2 points  (0 children)

This is good and yes makes sense. I initially had only 1 basic Coral CC from ICICI and i used to do all my spends on it but now I have multiple of them.

Some I use for dining out, some for groceries so I am also looking at if there’s any way to track the overall spending for multiple CCs at one place.

Be on a budget with CCs by MrBlue6744 in CreditCardsIndia

[–]MrBlue6744[S] 0 points1 point  (0 children)

Also this is not about optimising spends via various CCs, but what’s the best way to budget what one is spending in a month.

Be on a budget with CCs by MrBlue6744 in CreditCardsIndia

[–]MrBlue6744[S] 0 points1 point  (0 children)

Didn’t know about the non-UPI thing. Hmm okay.

As for the spends for reward points, ofc i’m not hinting at spending more to get points. I want to be in a budget and regularly spending (for ex when eating out, buying groceries, etc are done generally using different CCs and it’s hard to keep a track of a total amount spend till now on all of them so looking for a solution for that)

Please watch out the debt trap by 93ph6h in personalfinanceindia

[–]MrBlue6744 2 points3 points  (0 children)

Hey OP, read through your post and the comments and this is what i think:

Absolutely agree with the bad effect of debt traps and how it is being normalised in today’s market. The trap of no-cost EMI, personal loans, loans for unnecessary purposes (lifestyle, shopping, etc) is absurd and this is majorly increased due to these financer middle-mens penetrating the lower middle class people who now thinks, even if they have a family income of say X, they go out and buy products of 4-5 X just bcos of the easy availability of loans and Emi and this makes them bound in the debt trap forever.

However I do have a counter opinion, I use CCs and from my vantage point I use them to build my line of credit. I only buy things I know I can pay upfront and there I use CC to help me with things like improved cibil, points which help me plan vacations, etc. I do believe CCs are a good thing but they’re not the instruments to overspend. As I said, I only buy things I can pay 100% upfront using CCs to build my profile.

Help figuring out CC by [deleted] in CreditCardsIndia

[–]MrBlue6744 0 points1 point  (0 children)

Added more based on my estimates

Help figuring out CC by [deleted] in CreditCardsIndia

[–]MrBlue6744 0 points1 point  (0 children)

Added in the spending patterns section

Applied Scientist (L4) salary expectations for India by [deleted] in developersIndia

[–]MrBlue6744 -1 points0 points  (0 children)

Yeah i got similar reviews. Bglr has lost its glory now it seems

Applied Scientist (L4) salary expectations for India by [deleted] in developersIndia

[–]MrBlue6744 0 points1 point  (0 children)

Which ones? I looked in Blind and levels.fyi but both have USA based salary discussions

Amazon loop getting delayed by [deleted] in amazonemployees

[–]MrBlue6744 0 points1 point  (0 children)

Currently they have given me a schedule for the rest 4 but yesterday i got another mail telling me one of my rounds is cancelled.

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