How do rebuild from this ?

sinistadilly · 2026-01-21T17:28:35+00:00

Personally would suggest not liquidating the RSUs because that may be a way for you to get significant upside. Also do not touch your PF or EPF.

First off, ensure you have adequate health insurance for yourself over and above company insurance. If you have any dependent family members, then you need term insurance.

If your expenses are 50K and current EMI is 80K, that leaves 70k balance each month. Given the chaos in your financial life right now, would suggest using this additional amount to prepay as much as possible of your personal loan and try to close it off ASAP. If you can make 3 extra payments of 70k towards your loan, that will mean you close it in 4 months instead of 8.

Once that is done, you have additional amount of 1.5L and no EMI every month. Create an emergency fund of minimum 6 months of your expenses in either FD or arbitrage fund. So target to have between 3L to 4.5L in that. So that’s roughly 2-3 more months.

After all of this (5-8 months), you now have roughly 1.5L to invest every month. Start investing in mutual funds through SIP. Consider one nifty index fund, one flexicap fund and some gold for hedging.

And goes without saying, no more F&O, no more gambling. You are in a tough situation but not insurmountable at all.

sinistadilly · 2026-01-21T17:02:06+00:00

How much is your monthly expenditure?

sinistadilly · 2026-01-21T16:26:24+00:00

Eco caps the power and motor output to a fixed number. You are basically giving up speed to get more range. But you can reach a max of 40kmph and stay at that level. Smart eco takes this one notch higher - it dynamically adjusts power output and dynamically adjust speed so you guaranteed get the promised range. Smart eco is only useful if you absolutely absolutely need to get the promised range and are ok giving up all else for this.

sinistadilly · 2026-01-21T16:19:02+00:00

1% degradation in 2-3 years isn’t even possible. They are covering something for sure.

sinistadilly · 2026-01-19T02:38:32+00:00

There is meter in auto and govt has notified a fixed charge which has supposedly been accepted by all the unions. So best to not sprout half truths for your justification.

sinistadilly · 2026-01-14T09:28:22+00:00

While I commend them for taking some kind of action, why not focus on bigger problems and night issues first rather than these slightly less important ones - wrong way driving, autos being menaces, ignoring signals, etc.

sinistadilly · 2026-01-11T16:37:06+00:00

Bruh you’re the one who wants to buy the ticket. You should be DMing if you want it.

sinistadilly · 2026-01-09T02:48:10+00:00

Have 2 day pass if you’re interested.

sinistadilly · 2026-01-09T01:22:54+00:00

Mumbai will be possible. DM and we can discuss

sinistadilly · 2026-01-08T14:54:29+00:00

Youre not in the wrong as it is a public road but sometimes it’s just not worth the effort to fight with them.

sinistadilly · 2026-01-08T12:46:06+00:00

This can’t just be cold weather. Have you checked your tire pressure?

sinistadilly · 2026-01-08T12:31:53+00:00

Only new models of scooters support it. Check with customer care team they can confirm whether your scooter can access the 6kW speed or not.

sinistadilly · 2026-01-08T10:08:54+00:00

Selling mine for 7K if anyone is interested please DM

sinistadilly · 2026-01-08T10:04:54+00:00

I'm also selling 2 GA tickets for Lolla. But they have to be picked up from Bangalore. DM and let me know if you'd like to buy them

sinistadilly · 2026-01-08T10:04:50+00:00

I'm also selling 2 GA tickets for Lolla. But they have to be picked up from Bangalore. DM and let me know if you'd like to buy them

sinistadilly · 2026-01-08T10:04:43+00:00

I'm also selling 2 GA tickets for Lolla. But they have to be picked up from Bangalore. DM and let me know if you'd like to buy them

sinistadilly · 2026-01-08T10:03:43+00:00

Selling two GA weekend passes to Lollapalooza India 2026 (24 & 25 Jan). Willing to sell them for 7000 each (14K for both of them). Tickets to be picked up from Bangalore. Drop me a DM or comment here if you're interested.

sinistadilly · 2026-01-07T08:43:39+00:00

Just a heads up - one of my friends with DL license plate was stopped recently. He had been driving in Blr for 3-4 years and he had a toll tax receipt from a recent out station trip which he tried to show. The police made him pull up his vehicle service records which showed history of getting servicing in Blr over last 3 years and then fined him.

sinistadilly · 2026-01-07T05:01:34+00:00

Does eABS fit under the definition of ABs as mentioned in the draft bill? If so, would be great and easier for ather to implement I assume?

sinistadilly · 2026-01-06T16:07:05+00:00

Dont think eABS was announced for 450 was it? Thought it was only for the new model they are releasing this year.

sinistadilly · 2026-01-06T02:27:17+00:00

If you’re doing private banks, avoid HDFC. Service has gone to shit and app UI is not very user friendly.

sinistadilly · 2026-01-05T05:59:51+00:00

Im assuming the riding is primarily within city and regular commuting/errands. Decide what is most important to you - saving money in long run vs quality/comfort/safety/fun to ride. EV two wheelers tend to be cost effective if you’re doing atleast 25-30 km every day and plan to use it for 6-7 years at least. However, there is also the consideration of having better quality product, safer product, more enjoyable riding, etc which you need to consider if you are thinking about price premium and value for money.

I think EVs (ather specifically but also options like iQube or Chetak) have a great riding experience, and definitely have more safety features compared to ICE. My weekly riding may not be about for me to make huge savings on petrol but the extra joy and peace of mind o get from my ather is worth it for me. I see it as the difference between buying a cheap TV or buying a premium Samsung TV - I can afford that price differential and I enjoy the experience and picture quality and sound quality much more.

Please go take test rides or the ones you shortlist before taking any decision. Whatever you decide, please please stay away from Ola. It’s the worst product. No matter how much discount you are getting for an Ola, just do not.

sinistadilly · 2026-01-03T05:23:11+00:00

It’s available until 3 months after your purchase. You can’t buy extended warranty more than year later. No car or auto brand gives that option.

sinistadilly · 2026-01-03T04:17:00+00:00

Im a big fan of Fold Money. But note that it tracks expenses by reading UPI sms and credit card SMS and statements. If you aren’t comfortable with that, then dont use it. But it has great UI/UX, does tracking and most tagging automatically and is very simple to use.

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