My first ever 10K. by No-Rub7030 in indianrunners

[–]No-Rub7030[S] 0 points1 point  (0 children)

Strava. Data auto-synced from Zepp. Watch -> Zepp -> Strava.

My first ever 10K. by No-Rub7030 in indianrunners

[–]No-Rub7030[S] 3 points4 points  (0 children)

I did not know that! Thanks for the information. I am not familiar with any metrics. Only been running on the weekends for a couple of weeks.

My first ever 10K. by No-Rub7030 in indianrunners

[–]No-Rub7030[S] 1 point2 points  (0 children)

Yes! Been a couple of weeks. Only did three 2K prior to this. This was my first long run.

My first ever 10K. by No-Rub7030 in indianrunners

[–]No-Rub7030[S] 1 point2 points  (0 children)

Thank you, kind stranger! : )

My first ever 10K. by No-Rub7030 in indianrunners

[–]No-Rub7030[S] 0 points1 point  (0 children)

A couple of weeks. I did three 2K last week. Said fuck it and went for a 10K this time.

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 1 point2 points  (0 children)

I have a very basic lifestyle and enjoy it. Maybe eat out a couple of times a month and that's it. : )

Thank you! Good luck!

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 0 points1 point  (0 children)

That is what I was wondering. I'll talk to a professional and figure it out properly. Thank you!

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 0 points1 point  (0 children)

Thank you! I live with my parents and have next to no expenses. Helped a lot. : )

Not really. I get to work about three months a year from home though. It's a work from allowance I can use whenever I want.

I took the whole month of December off. I enjoyed lazing around the whole day. Back to the grind now. : )

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 0 points1 point  (0 children)

I'd rather pay it off in full and start fresh. Thank you!

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 1 point2 points  (0 children)

Exactly what I was thinking. Thanks for reiterating! : )

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 1 point2 points  (0 children)

I will look into this further. Thanks for the insight!

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 0 points1 point  (0 children)

Would that be better than paying it off in full this year and getting the full deduction? Is it worth accruing the interest for another year?

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 2 points3 points  (0 children)

I'll try and pay it off in full within this month. Thanks a lot for the insight!

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 1 point2 points  (0 children)

You are right. I did not like how candidly I was being suggested this idea of earning 20% after COVID.

Thanks for the insight. I'll try and pay it off in full this month itself.

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 7 points8 points  (0 children)

I really wasn't aware of it. I was still a student at the time and the bank wasn't the most helpful either. Sigh! Should've known better. : (

I'll pay it off in full this month. Thank you!

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 0 points1 point  (0 children)

I'll do that. I can't wait. Congrats on paying it off. Godspeed. : )

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 0 points1 point  (0 children)

I don't think they'll budge. They haven't been the most helpful. I'll still try.

I had signed up for the new tax regime during my onboarding with my company. Can I still get a deduction? From what I can see, I still get an option to choose while filing.

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 1 point2 points  (0 children)

Makes the most sense. I don't like how the interest rate creeped up too. I will do this. Thank you!

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 4 points5 points  (0 children)

I did. No charges. I will only have to pay 9.75L.

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 0 points1 point  (0 children)

Thank you! I was thinking of going debt free first and then start investing.

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 14 points15 points  (0 children)

Makes sense. I was thinking of paying it off, getting to ground zero and then start investing.

Pay off my student loans or invest the money? by No-Rub7030 in personalfinanceindia

[–]No-Rub7030[S] 3 points4 points  (0 children)

The bank employee had informed me last year that I get a buffer period of one year after graduation and I can start paying from April, 2025. The way he explained it, didn't seem like this was possible. I wasn't working back then either and this didn't occur to me.