u/Beginning_New_

Need views on my current financial status

Liabilities [34L]- Education - 23L @6% - Emi - 25000 (10y) Personal Loan- 2L @ 9% Emi- 23000 (9 Month) Car-loan - 9L @ 8% EMI 22000 (5year)

Assets - Equity -17 L Mutual -17L Nps- 2.5L PF-3L

No emergency fund

Salary - 1.3L post tax

Expense Rent - 25K Emi- 70K Credit card- 15k

While write this post i do feel i am pretty fucked up

Now 1 year update 33 M

Liability [28.7L]- Education-21L - EmI -25000(9Y)
Car loan - (7.7L) -22000 )3.5 years

Assest- equity 25L and mutual - 25L
Nps 3.5 and Pf 4.5

Emergency fund -2L

Salary -1.3 L (No raise)
Expense- 25K rent
No credit cards

Tips followed -

1. Tracked monthly expense and Networtj
2. no coffee until i reach my monthly networth target
3. No smoking and no drinking outside my house to save money
4. Cycling - Cancel gym