I'm planning to take my mom to Tirumala from Bengaluru and I'm trying to figure out the best way to do it.

My mother is 63 year old. She has relatively low stamina and gets tired easily. But other than this shes healthy.

I was looking at the KSTDC one-day Tirupati package from Bangalore. It's around ₹2,500 per person. We will leave Bengaluru by 8pm and reach back to Bengaluru by next day 8pm.

The price and convenience are very good, but I'm a bit worried that the whole overnight + one-day schedule might be too exhausting for her.

For people who've travelled to Tirumala with parents around this age, whats the best option for me ?

Would love to hear what worked for you guys, especially if you've taken your parents to Tirumala.

I'm planning to take my mom to Tirumala and I'm trying to figure out the best way to do it.

My mother is 63 year old. She has relatively low stamina and gets tired easily. But other than this shes healthy.

I was looking at the KSTDC one-day Tirupati package from Bangalore. It's around ₹2,500 per person. We will leave Bengaluru by 8pm and reach back to Bengaluru by next day 8pm.

The price and convenience are very good, but I'm a bit worried that the whole overnight + one-day schedule might be too exhausting for her.

For people who've travelled to Tirumala with parents around this age, whats the best option for me ?

Would love to hear what worked for you guys, especially if you've taken your parents to Tirumala.

This post mainly has two sections. First is regarding my monthly cash flow and second section is about severe anxiety I keep on having about money. I do admit that the scope of the topic about financial anxiety may not be suited for this sub.

1. Monthly Cash Flow :

I am 26.5M work in Semiconductor industry and living with dependent mother in Bengaluru. My monthly in hand salary is around 1.6L. This is my monthly cash flow :

Income	1.6L
Rent	25K
Kirani/Fuel/Medical/Others	20K
Car Loan [which I paying to my other, as she paid to bank]	10K
Car running cost [Fuel/Insurance/Maintanance]	4.8K
		Fixed Expenses	60K
Parag Parikh Flexi	17K
Nasdaq100	20K
Nippon Small Cap	8K
Gold	5K
RD	5K
ESPP	30K
Emergency Fund	15K
		Savings/Investment	100K

2. My other goals and financial needs :

-> Currently I have emergency fund of just 2.9L. So planning to make it 4.5L. Hence monthly saving 15K for that.

-> I am unmarried. Planning to get married post 2028 [through Arranged marriage]. Have kept 7L separately for that in arbitrage fund. Every month 5K invested in gold fund. That will also be used for marriage. Marriage expense ETA is around 12-15L including gold and mother will cover 20-30% of the expense. Rest needs to be covered by me.

-> My house in native place needs some construction/maintenance. For that I have kept 4L seperately.

-> Want to purchase apartment in Bengaluru. [Biggest reason for anxiety].

3. Assets :

-> I inherit almost no asset from parents. I do inherit 0.75 acres of land in Rural Karnataka, but the land doesnt have proper title. It has legal issues. But currently has few coconut trees and banana plants.

-> My mutual fund portfolio : 25L [with 16% XIRR]

-> Emergency Fund : 2.96L [I have target of 4.5L. It takes years to reach there]

-> Marriage Fund 7L

-> House repair fund 4L

-> RSU [considering only vested] : 14K USD

-> Car Tata Punch

-> Gold Fund : 35K

4. Insurance :

-> Have term insurance of 2Cr.

-> Have personal health insurance of 10L

-> Have seperate health insurance of 10L + 20L[super top up] for mother.

#####################################################################

Financial Anxiety :

-> My financial anxiety is bothering me a lot. ChatGpt/AI bots says I am handling finance with discipline but no matter what I do/think, I get financial anxiety. That anxiety is more especially when the thoughts of house purchase comes.

-> I want to buy apartment in Bengaluru. I want to buy 3 bhk. 10+ year old standalone apartment 3Bhk in good localities costs 1.5-1.75 Crore. If gated community is needed then 2.5+ crore.

-> Since I am from Karnataka, I get lot of anxiety with respect to locations as well. I work in Semiconductor Industry and all the companies are in East Bengaluru, whereas South Bengaluru has relatively better water supply and other things. I am extremely confused regarding where to buy apartment, since resale of apartment is very difficult and apatrtment generally comes with irreversible effect. For long term usage South Bengaluru is better, but office commute will be 2 hours each way. If I alone have to travel, then I would probably be okay with south Bengaluru, since this environment is better for my kids. But again I am confused, since I will have to travel 2 hours each way.

-> I think, it is better to buy post marriage. But Rent is 25K and it keeps on increasing every single year. And apartment's price too inflating every year.

-> Even if I want to buy, I dont think I can buy, since my assets wont add up to make downpayment which would give me EMI < 30% take home salary.

-> My financial anxiety has many things to do with real estate and slow realisation that I will probably wont be able to buy home in Bengaluru or I will have to buy and loose all of my assets when I want to buy.

-> I reconsider therapy and yoga. But need to make some action regarding this anxiety.

This post mainly has two sections. First is regarding my monthly cash flow and second section is about severe anxiety I keep on having about money. I do admit that the scope of the topic about financial anxiety may not be suited for this sub.

1. Monthly Cash Flow :

I am 26.5M work in Semiconductor industry and living with dependent mother in Bengaluru. My monthly in hand salary is around 1.6L. This is my monthly cash flow :

Income	1.6L
Rent	25K
Kirani/Fuel/Medical/Others	20K
Car Loan [which I paying to my other, as she paid to bank]	10K
Car running cost [Fuel/Insurance/Maintanance]	4.8K
		Fixed Expenses	60K
Parag Parikh Flexi	17K
Nasdaq100	20K
Nippon Small Cap	8K
Gold	5K
RD	5K
ESPP	30K
Emergency Fund	15K
		Savings/Investment	100K

2. My other goals and financial needs :

-> Currently I have emergency fund of just 2.9L. So planning to make it 4.5L. Hence monthly saving 15K for that.

-> I am unmarried. Planning to get married post 2028 [through Arranged marriage]. Have kept 7L separately for that in arbitrage fund. Every month 5K invested in gold fund. That will also be used for marriage. Marriage expense ETA is around 12-15L including gold and mother will cover 20-30% of the expense. Rest needs to be covered by me.

-> My house in native place needs some construction/maintenance. For that I have kept 4L seperately.

-> Want to purchase apartment in Bengaluru. [Biggest reason for anxiety].

3. Assets :

-> I inherit almost no asset from parents. I do inherit 0.75 acres of land in Rural Karnataka, but the land doesnt have proper title. It has legal issues. But currently has few coconut trees and banana plants.

-> My mutual fund portfolio : 25L [with 16% XIRR]

-> Emergency Fund : 2.96L [I have target of 4.5L. It takes years to reach there]

-> Marriage Fund 7L

-> House repair fund 4L

-> RSU [considering only vested] : 14K USD

-> Car Tata Punch

-> Gold Fund : 35K

4. Insurance :

-> Have term insurance of 2Cr.

-> Have personal health insurance of 10L

-> Have seperate health insurance of 10L + 20L[super top up] for mother.

#####################################################################

Financial Anxiety :

-> My financial anxiety is bothering me a lot. ChatGpt/AI bots says I am handling finance with discipline but no matter what I do/think, I get financial anxiety. That anxiety is more especially when the thoughts of house purchase comes.

-> I want to buy apartment in Bengaluru. I want to buy 3 bhk. 10+ year old standalone apartment 3Bhk in good localities costs 1.5-1.75 Crore. If gated community is needed then 2.5+ crore.

-> Since I am from Karnataka, I get lot of anxiety with respect to locations as well. I work in Semiconductor Industry and all the companies are in East Bengaluru, whereas South Bengaluru has relatively better water supply and other things. I am extremely confused regarding where to buy apartment, since resale of apartment is very difficult and apatrtment generally comes with irreversible effect. For long term usage South Bengaluru is better, but office commute will be 2 hours each way. If I alone have to travel, then I would probably be okay with south Bengaluru, since this environment is better for my kids. But again I am confused, since I will have to travel 2 hours each way.

-> I think, it is better to buy post marriage. But Rent is 25K and it keeps on increasing every single year. And apartment's price too inflating every year.

-> Even if I want to buy, I dont think I can buy, since my assets wont add up to make downpayment which would give me EMI < 30% take home salary.

-> My financial anxiety has many things to do with real estate and slow realisation that I will probably wont be able to buy home in Bengaluru or I will have to buy and loose all of my assets when I want to buy.

-> I reconsider therapy and yoga. But need to make some action regarding this anxiety.

Hi everyone,

I'm planning a day trip this Thursday from Bengaluru with my mother, who is in her early 60s.

I was thinking of visiting Melukote (Cheluvanarayana Swamy Temple) and then heading to Shravanabelagola on the same day. My main concern is whether this itinerary is practical and comfortable for a senior citizen.

A few questions:

• Is it realistic to cover both places in a day without rushing too much?
• How physically demanding is Shravanabelagola, especially the climb to the Bahubali statue?
• Are there any facilities/rest points for elderly visitors?
• If you've taken parents or senior family members there, how was their experience?
• Would you recommend any alternative places near Melukote that might be more senior-friendly?

For context, my mother can walk normally but I would prefer not to make the trip too tiring for her.

Would love to hear your suggestions and experiences. Thanks in advance!

Hi everyone,

I'm planning a day trip this Thursday from Bengaluru with my mother, who is in her early 60s.

I was thinking of visiting Melukote (Cheluvanarayana Swamy Temple) and then heading to Shravanabelagola on the same day. My main concern is whether this itinerary is practical and comfortable for a senior citizen.

A few questions:

• Is it realistic to cover both places in a day without rushing too much?
• How physically demanding is Shravanabelagola, especially the climb to the Bahubali statue?
• Are there any facilities/rest points for elderly visitors?
• If you've taken parents or senior family members there, how was their experience?
• Would you recommend any alternative places near Melukote that might be more senior-friendly?

For context, my mother can walk normally but I would prefer not to make the trip too tiring for her.

Would love to hear your suggestions and experiences. Thanks in advance!

This is 26.5 year old M, currently single. I have dependent mother and father is no more.

I will be marrying anydate post 2028 March [i.e 100% sure not before that]. Budget is around 10-12L. I have kept 7L so far, for this. Remaining amount [i.e 5L] mother will be arranging. Currently, for my 7L, I have kept it in arbitrage fund. But I am wondering if this is the right call.

Given that I will not be required this amount in next 1.75 year, what's the best place to keep this money ?

[Please note : Lets stick to finance aspect of this. I would to like stay away from engaging from any conversation [about how I should get married, how much I should spend, with whom I should marry, should I marry in arranged marriage market or not etc] that isn't about personal finance here].

Here I am confused. Let me give brief intro of myself : Okay let me tell the story briefly. 26M, working in chipdesign field in Bengaluru, living with single parent [mother]. I lost my father when I was 12 due to cancer. I studied well and I have decent MNC job now. But here is what happening. Since I am fatherless, and my mother lost her husband, my maternal uncle [mother's brother] is empathetic towards us. He has special place in his heart for us, compared to my other cousins, because I lost my father. [Like how for Bheeshma Yudhishtira mattered a lot, because Yudhishtira is fatherless kid]. My father asked him repetitively to take care of his kids. My uncle, I think, remembers it everytime.

This uncle of mine, has recently constructed a house in Bengaluru. It is 3 floor standalone building. He is inviting me and my mom to stay in one of the floors [1st floor]. In 2nd floor he will stay. In 3rd floor he gives it for rent. Thats his plan. So he is asking us to stay there. I am really confused here.

Pros :

-> Me and my mother's relationship with my unlce, aunt and his only son, so far is good. They all are good people. Boomers yes, but good hearted.

-> My mother may feel less lonely I think ? She is okay to move there.

-> I will save rent. My uncle wants me to save and buy my house in Bengaluru.

Cons :

-> My uncle is not my father, no matter anything people say. He is still my uncle. Staying in his house for free doesn't look good. But I am sure he wont accept any rent. Asking it can be offensive.

-> I am living in his house. Will it create obligation towards him ? Will I forever be owing him something ? Even though he is reluctant to accept anything and wants me to buy house.

-> Going to office from my current is only far. From his house it will even be far and I need to change metro also.

-> Everything is good when we live far. We start fighting when we live together. Will this be applied to me as well ? Will I loose good bonding with my uncle ?

Currently he is asking me to stay in his house for 1 week and asks me try going to office from house. He's asking this to make sure commute is also workable. I am thinking to give commute as the main reason to decline his offer. But at the same time, I am afraid also, will I be hurting him ? Guys I am totally totally confused.. What to do ? Yen maadodu maga.. Gotttagtaa illa..

Namaskaara Ellariguu!

I live in Kathriguppe, BSK 3rd stage. Currently the rent was 24K for 2bhk with car parking but owner is asking for ₹25K from next month. I'm 26M, Kannadiga, living with my single parent, have a car.

My office is near Seetharamapalya Purple line metro station. Daily commute is around 1.5 hours one way. It is daunting but at the same time, since Kathriguppe area is good and have Kannadiga dispora I had decided to continue.

Two questions:

1. Am I overpaying for Kathriguppe? Owner is claiming market rate here is 27-28K. Doesn't feel right to me.
2. Thinking of three options for shifting:

• Move closer to office (near Seetharamapalya) — What are the good options I have ? Rent should be 25K-26K.
• Stay in Kathriguppe — familiar area, mother is comfortable. But owner is increasing rent 1K every year and I am already in 4th year.
• Move to Vijayanagara or RR Nagar — Purple line metro access, still ~1.5 hours, but good areas with Kannada dispora.

What would you suggest? Is option 3 a sweet spot?

Genuine advice welcome. Thanks.

Hello All, I would like to request you to review my monthly cash flow and overall assets I have :

Personal Background :
26 M working in seminconductor industry. Unmarried. Has single parent dependent on me. Seperate health insurance done for me and parent. Term insurance of 2 cr for me done.

Cash flow for review :

Income : Post tax 1.6L

ESPP : 30K

Rent : 25K

Grocery/Overall monthly expenses : 20K

Parag Parikh flexi cap : 25K

Nasdaq 100 index fund : 20K

Gold 5K

RD for emergency fund : 5K

Car EMI : 10K [loan closed by using mother's money, so repaying her back]

Car petrol + insurance + Service : 4.8K per month [Mostly I wont be using this much. But still keeping this in budget]

After that I am left with 15K, which I am using for accumalation of emergency fund.

My asset for review :

Mutual Fund Equity : 23L [as of now] Majorly involves Parag Parikh. Good share of Nasdaq 100 too.

Emergency Fund : 2.89L [Already accumulated. Aiming for 4L]

RSU : 10+3 = 13L [Already vested. Not accounting unvested here].

Gold ETF : 30K [Continuing accumulation]

Marriage Fund : 7L [Saved in Arbitrage Fund. Will be needed in next 2-3 years]

House repaid fund : 4L [Currently in Savings Account FD, I will be needing it within 2-3 months]

Goals :

-> Having apartment in Bengaluru, but looks not possible within next 5 years. Planning to accumulate more wealth.

Yenoo kotta maatide, naanu Subrahmanyana darshana maadle beku eega.

Whats the best way to go to Kukke Subrahmanya temple from Bengaluru ?

I want to plan for one day trip. Main plan is to visit temple and get Darshana. I do see couple of trains to Subrahmanya. But people who have gone there, whats the best way to go there and make a plan ?

Edit 1 :

How to get Darshana ? Should we book anything ? How much crowded does temple get on weekends ?

Yenoo kotta maatide, naanu Subrahmanyana darshana maadle beku eega.

Whats the best way to go to Kukke Subrahmanya temple from Bengaluru ?

I want to plan for one day trip. Main plan is to visit temple and get Darshana. I do see couple of trains to Subrahmanya. But people who have gone there, whats the best way to go there and make a plan ?