u/throwwwawayaccount48

Hey everyone,

I'm looking for a good caterer or biryani place in Thane that can provide around 1–2 kg of chicken or mutton biryani for a gathering of 10 to 15 people.

Taste and quality are my top priorities, but I'd also like something reasonably priced. If you've personally ordered from someone before, I'd really appreciate your recommendations (along with contact details if possible).

Thanks in advance!

​

Current situation:

- Salary: ₹50k take home per month

- Current bank balance: ₹1.18 lakh

- Work from home

- I am the only earning member in my family and financially support my parents

- Job is in fintech and feels somewhat unstable, so I value having an emergency fund

Recent expenses include:

- House contribution: around ₹7k/month

- Medical expenses for myself and parents

- Utilities (electricity, WiFi, etc.)

- Groceries and food

I don't spend on:

- Alcohol

- Parties

- Subscriptions

- Dating

- Clothes

- Entertainment

I've been tracking every expense for the last few months and have realized most of my spending goes toward:

1. Family/household expenses

2. Medical expenses

3. Food

My main goal right now is financial security because I'm worried about job stability and because my family depends entirely on my income also my company is notorious for mass hire and fire.

I'm also planning to buy a good high end laptop in the ₹80k–90k range for upskilling and long term career growth. I have never had a credit card before but am considering getting one for this purchase. I'm mainly looking for a card that offers good cashback, shopping discounts, and food related offers. One of my friends suggested taking a personal loan instead, but I'm not sure if that's a good idea given my current situation. I was offered a credit card by my bank but they are giving only 70k limit which is very less for me.

Questions:

1. Should I open a separate high-interest savings account and automatically transfer ₹20k every month into it?

2. Would a liquid fund be better than a savings account for building an emergency fund?

3. At what emergency fund amount should I start investing in mutual funds?

4. Given my situation, would you prioritize:

   - Emergency fund

   - FD

   - Liquid fund

   - SIP in index funds

5. If you were in my position, how would you allocate ₹1.18 lakh today?

6. What investment options would you recommend for someone in my situation who wants to build long term wealth while still maintaining financial security for their family?

7. Are there any common mistakes I should avoid as the sole earner supporting parents?

8. For someone with no credit history, which credit card would you recommend for cashback, shopping offers, and food discounts?

9. Would it be better to save up and buy the laptop outright, use a credit card and pay it off immediately, opt for a no cost EMI or consider a personal loan?

Looking for practical advice from people who have been in a similar situation, especially those supporting parents while building savings and investments.

​

Current situation:

- Salary: ₹50k take home per month

- Current bank balance: ₹1.18 lakh

- Work from home

- I am the only earning member in my family and financially support my parents

- Job is in fintech and feels somewhat unstable, so I value having an emergency fund

Recent expenses include:

- House contribution: around ₹7k/month

- Medical expenses for myself and parents

- Utilities (electricity, WiFi, etc.)

- Groceries and food

I don't spend on:

- Alcohol

- Parties

- Subscriptions

- Dating

- Clothes

- Entertainment

I've been tracking every expense for the last few months and have realized most of my spending goes toward:

1. Family/household expenses

2. Medical expenses

3. Food

My main goal right now is financial security because I'm worried about job stability and because my family depends entirely on my income also my company is notorious for mass hire and fire.

I'm also planning to buy a good high end laptop in the ₹80k–90k range for upskilling and long term career growth. I have never had a credit card before but am considering getting one for this purchase. I'm mainly looking for a card that offers good cashback, shopping discounts, and food related offers. One of my friends suggested taking a personal loan instead, but I'm not sure if that's a good idea given my current situation. I was offered a credit card by my bank but they are giving only 70k limit which is very less for me.

Questions:

1. Should I open a separate high-interest savings account and automatically transfer ₹20k every month into it?

2. Would a liquid fund be better than a savings account for building an emergency fund?

3. At what emergency fund amount should I start investing in mutual funds?

4. Given my situation, would you prioritize:

   - Emergency fund

   - FD

   - Liquid fund

   - SIP in index funds

5. If you were in my position, how would you allocate ₹1.18 lakh today?

6. What investment options would you recommend for someone in my situation who wants to build long term wealth while still maintaining financial security for their family?

7. Are there any common mistakes I should avoid as the sole earner supporting parents?

8. For someone with no credit history, which credit card would you recommend for cashback, shopping offers, and food discounts?

9. Would it be better to save up and buy the laptop outright, use a credit card and pay it off immediately, opt for a no cost EMI or consider a personal loan?

Looking for practical advice from people who have been in a similar situation, especially those supporting parents while building savings and investments.

​

Current situation:

- Salary: ₹50k take home per month

- Current bank balance: ₹1.18 lakh

- Work from home

- I am the only earning member in my family and financially support my parents

- Job is in fintech and feels somewhat unstable, so I value having an emergency fund

Recent expenses include:

- House contribution: around ₹7k/month

- Medical expenses for myself and parents

- Utilities (electricity, WiFi, etc.)

- Groceries and food

I don't spend on:

- Alcohol

- Parties

- Subscriptions

- Dating

- Clothes

- Entertainment

I've been tracking every expense for the last few months and have realized most of my spending goes toward:

1. Family/household expenses

2. Medical expenses

3. Food

My main goal right now is financial security because I'm worried about job stability and because my family depends entirely on my income also my company is notorious for mass hire and fire.

I'm also planning to buy a good high end laptop in the ₹80k–90k range for upskilling and long term career growth. I have never had a credit card before but am considering getting one for this purchase. I'm mainly looking for a card that offers good cashback, shopping discounts, and food related offers. One of my friends suggested taking a personal loan instead, but I'm not sure if that's a good idea given my current situation. I was offered a credit card by my bank but they are giving only 70k limit which is very less for me.

Questions:

1. Should I open a separate high-interest savings account and automatically transfer ₹20k every month into it?

2. Would a liquid fund be better than a savings account for building an emergency fund?

3. At what emergency fund amount should I start investing in mutual funds?

4. Given my situation, would you prioritize:

   - Emergency fund

   - FD

   - Liquid fund

   - SIP in index funds

5. If you were in my position, how would you allocate ₹1.18 lakh today?

6. What investment options would you recommend for someone in my situation who wants to build long term wealth while still maintaining financial security for their family?

7. Are there any common mistakes I should avoid as the sole earner supporting parents?

8. For someone with no credit history, which credit card would you recommend for cashback, shopping offers, and food discounts?

9. Would it be better to save up and buy the laptop outright, use a credit card and pay it off immediately, opt for a no cost EMI or consider a personal loan?

Looking for practical advice from people who have been in a similar situation, especially those supporting parents while building savings and investments.