How did you decide that you should marry this guy or not?

From last few days, I am meeting guys for marriage purpose. My parents are arranging our meetings. I am very confused and stressed out. How do I decide that I should marry someone or not.
I don’t understand what I want. My heart doesn’t want somebody stranger to be as husband. But I am not in a position to do love marriage. I did not find someone that I can marry. The person my heart is most close to, knows that there are differences in us. It’s about our lifestyle, the way we grew in families, the thinking, the religions-hence the beliefs we follow etc are different and its mutual understanding that it’s not going to work out in future. Hence practically, we can’t marry even though my parents asked so. I don’t understand what to do. Please help me. I need to decide. Advice me what you would do if you were in my shoes.

Daily Spending

I have added Rs. 2000 to Retirement fund and hence my goal for 2009 is complete. I have re payed Rs. 11700 to Mr. Blue. The very most important rent for home and bill for phone that I was supposed to pay yesterday, I did not since I was very busy with some work. I came at home late in the night. I think this month too I will have to be on very tight budget.

Loyalty Rewards Program from SBI

State Bank of India has launched Loyalty Rewards Program. Under this program, customers who will be using internet banking for their online transactions will earn reward points based on type of transaction and then can redeem the points for cash.
I always make my mobile bill payment online. To earn these rewards, I will make all my bill payments using SBI internet banking. Railway ticket booking is also considered that I can use.
I liked this scheme, its just earning free money for the things that anyways you have to do. For more details, please visit this FAQ.

December Budget

December - The last month of the year....
The last opportunity to save meet the goals of the year.....
So, here is what I plan for the month.

Saving :

Retirement Fund : 2000 (It will complete my 2009 goal)
Tax Saving Fund : 10000
Unexpected Fund : 1000
Emergency Fund : 10000
W/D Fund : 6000
Home Fund : 5000

Spending:

Rent – Rs. 8000/-
Telephone bill – Rs. 812/-
Credit Card bill – Rs.895/-
Vegetables/Grocery – Rs. 1500/-
Petrol – Rs. 500/-
Need to buy for new home – Rs. 500

No Spend Days – 18
No Drive days – 5

I don't know exact figure for electricity bill now. But that too would add in the list.

Debt –

To pay to Mr. Blue – Rs.11700/-
Mummy – Rs.3000/-

I will be repaying these people this month.

Well, now income streams –

Earning Extra continues....

I have done some writing job and I will be receiving the payment this month in Paypal account. But I am not planning to en cash it now. I guess, I will wait for some time and when amount will be bigger, I will withdraw i.e. not in this month :(. But I have already planned that amount will be for retirement fund + tax saving fund i.e. N.S.C.

I will be saving more by cutting to my expenses and add more and more in my piggy bank for Digital Camera Fund. I want to fill that jar in 2009 itself. Its about to fill, just need to boost adding into it.

Money In Wallet

Its 1st of the December today, my Payday and I had money in my wallet. This was first pay cheque after the pay raise that I got. Money looks good. Just the thing is that I need to plan and save it properly. The bad thing was that Income Tax was deducted from my salary.
I believe I will seriously need to work on the income tax related investments. As you can see on my side bars, till now in this financial year I have only Rs. 22000/- invested in tax saving instruments. I need to boost it up.
One more income I received is the dividend pay out from the Reliance Shares that I own. I got total Rs. 1327/- This was totally unexpected amount. I checked my bank account today and found this money in. It feels very good to receive unexpected money. I have not decided yet what to do with this money, but certainly will use for saving. Shall I keep in my Emergency Fund? I think it is to be considered now.

Headache due to cold

I had severe headache on Friday so I took a day off from workplace. Whenever winter strikes,I have this headache. I am too sensible to cold. I am ok now but still it strikes sometime. So,I didn't go anywhere today though it was Sunday evening. (For me,the most hated thing about Sunday is being at home in the evening.)
I am bit busy these days and weekend was busy too.
I had my MBA classes in the morning and we had given some case study. I will have to do some research.
Its last day tomorrow of the month and I have 4 No drive days in the month so far, where as I had planned for 5.

I am the winner of Earn More Challenge....

One day Mr. Blue just suggested to earn more to save more and Earn More Challenge was came in picture. Due to efforts of Christine @ MoneyFunk, more and more people joined the challenge. After some time, Jessica hosted the Earn More Challenge. Guidelines were decided, prize was decided. Participants team grew day by day and many people benefited from earning more income.
Yesterday Jessica announced the winner for the challenge... and hold your breath.... its me....!!!!
I would like to thank every body who took up this idea and made it such a huge success. I am sure, you too must have benefited from the idea. Today, after the challenge is over, I can say that I am more confident that I can earn more. It was just a beginning. New ways are coming in the way and I am trying them too.
Thank you once again everybody for being with me and supporting me.

Reliance Vision Fund declared 50% dividend

Reliance Mutual fund had declared the 50% dividend on Reliance Vision Fund. The record date will be 27th November 2009. It’s a open ended equity diversified scheme.
Minimum purchase amount is Rs. 5000 for individual investors and SIP option is also available.
So, if interested, you can purchase the same from Reliance AMC directly or sms ‘INVEST’ to 561617. (I have not tried this sms way, I got the no. from
www. reliancemutual.com)

For more details:
http://www.reliancemf.com/OurSchemes/Content.aspx?ArticleID=3a2df48d-a7f8-47d5-98e7-61b54fd0cafd
http://www.moneycontrol.com/india/mutualfunds/mfinfo/17/19/snapshot/imdesc/Reliance%20Vision%20Fund%20-%20Retail%20Plan%20%28D%29/ffdesc/Reliance%20Capital%20Asset%20Management%20Ltd.%20/imid/MRC023/imffid/RC (details of the fund)
http://www.moneycontrol.com/news/mf-news/reliance-vision-fund-declares-dividend_426613.html
http://www.thehindubusinessline.com/2009/11/23/stories/2009112350850400.htm

I am still thinking, should I invest now or not.....

Do It Yourself - Bulletin Board

I am very much fond of writing TODOs everywhere. My desk at my work place and all the walls in my home are full of stick notes. I was planning to create one board in my kitchen cum study, something like bulletin board.
I got this Do it Yourself guide, and I am planning to implement that way.
I too have some magnetic stickers, how can I use them in creation of board?
Do you have any different ideas to create a bulletin board?

Upload video and win $5000

This is a Sponsored Post written by me on behalf of Incendia Health. All opinions are 100% mine.

If you are interested in video shooting, there is an amazing contest going on where you can win $5000 by uploading the video. Abbott Medical Optics Inc. (AMO), have launched You Gotta See This video contest which gives you chance to turn your hobby into cash machine.
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HDTV package — a $2,500 value

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The Flip UltraHD™ camcorder — a $199.99 value

Find below the ways to enter the contest:
1. Submit a video
Users can submit a video for one of the following categories:
• “My contacts are getting in the way of my good time”
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• “You should see life after the iLASIK® Procedure”

2. Refer friends to vote
Once users have submitted a video, their friends can vote on it. More the votes, more are the chances to win the prize.

3. Get chance to win -
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The rules are quite simple as follows:
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