Don’t read this after 1st April 2015

Note – This is not a April Fool’s day post.


Today is 1st April 2015. For some, its the first day of a new financial year. And for some, its a Fool’s Day.

But frankly speaking, each new day…has the potential to be the first day of the rest of your life. Its you who can change everything about your life. And this point is beautifully captured in quote below:

If you have had troubles with your personal finances like too much debt, high unnecessary expenditures, unable to save, etc (and I am not even referring to your stock portfolio)…then I am afraid its only you who should be blamed. But lets not play the blame game today…

Lets move on…

Its a new day. Think about it…

If you are one of those who are late with their tax planning, then take a pledge to start your tax planning from today itself, i.e. from 1st April 2015 and not on 31st March 2016.

If you are one of those who have trouble saving money, then take a pledge to save atleast 10% of your monthly income for next 12 months. Don’t worry about investing or earning high returns. Just save it. Put it away somewhere you cant see it for an year.

If you are one of those who believe that they are adequately insured with some Rs 5 Lac Endowment Insurance Policy, then please wake up. You are under-insured. Take a pledge to buy a plain Term Insurance Plan.

If you are one of those whose stock portfolio is full of shares, which are not even worth holding for even a day, and you are still waiting for markets to rise higher to exit, then take a pledge to sell those shares as soon as possible. Markets are already quite high (on valuations front and assuming you are holding shares of bad companies)

Taking the pledge is the first step on the road to establishing your financial fitness. Go on and make a commitment towards your financial future and take the first step today.

Best of luck


  1. Nice one Dev. Wonder what an actual April Fool's post on personal finance would look like:
    – In stock markets, timing is everything
    – Super-charge your returns. Use leverage and trade in futures
    – Buy real estate, the surest path to wealth. So what if you have to take on mountains of debt
    – …and many more… 🙂

  2. Yes, Single only now…I keep health insurance…In case i get partner, I will enter into life insurance.,
    May be premium will be high other than nothing else..I think so.,

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