u/Direct-Response-7754

Hey everyone,

Need a reality check on my monthly spending. I’d really appreciate your feedback on whether my finances look healthy or if there’s room for improvement.

Here’s my monthly breakdown:
Monthly take-home (in-hand): ₹1,90,000
Car EMI: ₹35,000
Home Loan EMI: ₹18,000
SIP (Investments): ₹25,000
Car running expenses (fuel, maintenance, insurance, etc.): ₹10,000
Rent: ₹10,000
Additional expenses (groceries, eating out, shopping, subscriptions, utilities, etc.): ₹20,000
Total monthly outflow: ~₹1,20,000
Left after all expenses & SIP: ₹70,000

A bit about my situation - I’m single, have no dependents, and currently have both a car loan and a home loan. I pay a nominal rent, and my day-to-day expenses are fairly controlled.

I feel like I’m in a decent position financially, but I sometimes wonder if my lifestyle expenses and EMIs are on the higher side for my income. At the same time, I’m already investing ₹25k every month through SIPs and still have around ₹70k left over.

Does this expense ratio look healthy to you? Should I be increasing my investments, prepaying my loans, or is this a reasonable balance?

Curious to hear how others in a similar income bracket are managing their finances. Thanks in advance!

Hey everyone,

Need a reality check on my monthly spending. I’d really appreciate your feedback on whether my finances look healthy or if there’s room for improvement.

Here’s my monthly breakdown:
Monthly take-home (in-hand): ₹1,90,000
Car EMI: ₹35,000
Home Loan EMI: ₹18,000
SIP (Investments): ₹25,000
**Car running expenses (fuel, maintenance, insurance, etc.): ₹**10,000
Rent: ₹10,000
Additional expenses (groceries, eating out, shopping, subscriptions, utilities, etc.): ₹20,000
Total monthly outflow: ~₹1,20,000
Left after all expenses & SIP: ~₹70,000

A bit about my situation - I’m single, have no dependents, and currently have both a car loan and a home loan. I pay a nominal rent, and my day-to-day expenses are fairly controlled.

I feel like I’m in a decent position financially, but I sometimes wonder if my lifestyle expenses and EMIs are on the higher side for my income. At the same time, I’m already investing ₹25k every month through SIPs and still have around ₹70k left over.

Does this expense ratio look healthy to you? Should I be increasing my investments, prepaying my loans, or is this a reasonable balance?

Curious to hear how others in a similar income bracket are managing their finances. Thanks in advance!

Hi everyone,

I’m 29, Punjabi, currently working with a Big 4 firm in Noida.

A little about me: I enjoy exploring new cafes, long drives, gaming, travelling whenever I get the chance, and discovering new places to eat. I value spending quality time with family and close friends, and I try to maintain a healthy balance between work and personal life.

I’d describe myself as ambitious, grounded, and easy to talk to. I value honesty, respect, good communication, and a sense of humour. I believe the best relationships are built on trust, understanding, and shared effort.

As for what I’m looking for, I’m interested in meeting someone who is genuine, kind, and looking for a meaningful long-term relationship. While compatibility matters most, I do have a preference for someone from a Punjabi background as it helps with cultural compatibility and shared experiences. I don’t drink or smoke or eat non veg, and looking for someone with same eating/drinking habits.

I know one of the common questions here is about profession and income. I’m happy to discuss my salary and other details privately over DMs once we connect.

If any of this resonates with you, feel free to reach out. Looking forward to getting to know someone and seeing where things lead.

Cheers!

Hi Everyone,

I am selling my less than 1 year old PS5 Slim Digital edition 1TB. I am also willing to sell my account associated with it which comes with Spider man, FC26, pubg, GTA V. It comes with one original controller and all cables (HDMI, controller charging cable, power cable)

My ask is ₹45K and I am willing to sell it in Delhi NCR. I am open to negotiations.

Product name: PS5 slim digital 1TB
Condition: New (less than 1 yr old)
Purchase date: 25 July 2025
Sale location: Sector 76, Noida
Attached are the pics of my PS5.

PRICE: 45,000 INR