3 Generations Surviving on JUST ₹55,000 in DELHI| Fix Your Finance Ep 53| Acko Health Insurance Plan
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Hello guys, welcome to another episode of Fix your Finance. In today’s episode, we meet 30 year old Farha who works as a centre manager in an educational institution. Farha has a family of four and is the main bread winner of her family. We talk about her income, expenses, investments, mutliple loans and no cost EMIs. We also discuss her relationship with money and her habit of impulse shopping and overspending and how that is causing her and her family to have near negative savings at the end of the month.
and much more!
Acko is a knowledge partner for the video.
Enjoy :)
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Пікірлер: 662
Let us also take a minute and appreciate that she is taking care of all the loans managing home kid office.
@makeup4me106
8 ай бұрын
True, she z an inspiration for all the ladies out there
@GauravYadav-qe3hn
8 ай бұрын
yeah man
@yash3874
8 ай бұрын
True man, her husband is a lucky guy itni achi wife mili agar koi aur hoti toh ab tak dusre ke sath chale gayi hoti but yeah ladki kitna support kar rhi hai ghar ko kash hum sabko aisi he wife mile.😊
@Mauvellista
8 ай бұрын
Thanks
@bismeetsingh352
8 ай бұрын
Ipjone q lia hai usne, I dont appreciate that
This lady is so simple. Without hesitation, she agreed to all the mistakes and was so transparent.. God Bless the Family and Best Wishes for Financial Gear Up..
@Minimasti22018
8 ай бұрын
Agreed
@balu5991
4 ай бұрын
Correct
In today's generation, we hardly find such supporting wives who stand by their husband and in laws no matter what. She is ready to curb her purchases for the best of her family without complaining about her husband's bad time now. You are an inspiration to everyone who cares for his/her family. Wish you and your family all the best.
@Mauvellista
8 ай бұрын
Thank u for ur kind words
@SSS-dn3uz
8 ай бұрын
@@Mauvellistamam, but you need take action don't spend money if you cannot earn more
@user-ow4vm3gg3z
8 ай бұрын
She is muslim thats why she is supporting , otherwise hindu females are busy in extra maritial affiars fucking bitches.
@gnes04
7 ай бұрын
Curb her purchases? With a phone that costs double her monthly salary?
@RakeshRoshan295
6 ай бұрын
@@Mauvellistayou are true inspiration for new generation women ❤.....hope that i also find wife like you🥲
Thanks @anshuman for creating the video with me. It was a great pleasure to meet you. I enjoyed gaining valuable financial advice from you.
@anshumanfinance
8 ай бұрын
Best of luck Farah! I hope to see you next year and shoot another video to capture your progress
@a_manthapa
8 ай бұрын
Hope you achieve all your financial goals! Good Luck!
@Mauvellista
8 ай бұрын
@@anshumanfinance eagerly waiting for our upcoming reunion. This time with good financial well being.
@Mauvellista
8 ай бұрын
@@a_manthapa thanks a lot dear
@MrSatz99
8 ай бұрын
Good luck Farha ! You are doing well already!🎉
It is insane how people are valuing IPhone over everything. In 92k , they could have bought 2 good phones. They bought a laptop for 36k and a phone for 92k. Showing off has become top priority now I guess.
@Happysoul_3
8 ай бұрын
True laptop ka zyda use hai😂
@religionofpeace782
8 ай бұрын
92 k me kam se kam 5 achhe quality smart phone aajate 😅
@zonejvm
8 ай бұрын
The whole concept is to show off one is doing well in life even though they are struggling
@usernotfound4172
8 ай бұрын
True
@tejasshirsath485
8 ай бұрын
I use a phone of 6000 , bought it 2 years back on diwali sale and laptop worth a lakh ! I just can't comprehend how can people spend so much on a phone which has really limited use !
Hi, I have a suggestion. Please revisit all the people after a year whom you have helped to fix their finances. It's a continuous process. So keep a check on them. You are doing a great job. Keep it up.
@vatsalparekh7914
8 ай бұрын
Some deals are just for one time!!
@N7_YES
8 ай бұрын
😂😂😂😂ha ab bs ghr ghr ja kay unkay finanace sahi kro 😂😂😂
@shantanugangele2827
7 ай бұрын
Sounds like a great thing. Let's make it real!
@MovieHeals
6 ай бұрын
Good suggestion
@dee_ustad5666
6 ай бұрын
Ya nice one it will raise others motivation
Ma'am you are so brave. Managing the household duties, a kid, work, supporting your husband in tough time and looking after your mother in law, is not an easy job. Praiseworthy.
@Mauvellista
8 ай бұрын
Thank u
@shreya7181
8 ай бұрын
@@Mauvellista
This type of salary bracket seems relatable but the higher salaries of people in this series provides serious motivation. Do more on middle class salaries because these are the actual type of people that need financial literacy. People who are actually making lakhs already have a certain literacy on their finances and how to move and save them.
I really don't understand why people are so much into buying an "IPhone". Spending 2-3 month of your salary in a mobile phone just does not make any sense. Always remember "The things you own end up owning you"
@sumansamhalder6909
8 ай бұрын
Humare desh mein gadhon ki sankhya jyada hai.
@thecryptohacker9976
8 ай бұрын
Going to mandir ,masjid doing pujas ,spending money on cults aka religion ,buying supercars,buying house doesn't make sense either.its just individual preferences ultimately
@krastogi15
8 ай бұрын
@@thecryptohacker9976 Annual cost of doing pooja is less than 1 day salary unless you decide to donate a big chunk of money.
@itsajanoop
8 ай бұрын
hum baniye isko bhuutt acche se manage kr lete without taking loan😂
EMI options has just given an misconception that we can own anything which is not the case😢
First thing that came to my mind was: why all the unaffordable expenses (especially the iPhone!!!). But honestly kudos to you Farah for seeking help and being brave enough to talk about your choices 👏👏👏 Thank you Anshuman for bringing us another episode!
@suneeshkachroo
8 ай бұрын
Exactly it takes courage to come out and seek help and sharing your details.
@makeup4me106
8 ай бұрын
Agreed
Such a strong and inspiring lady. She might be making impulsive purchases but leading from the front while her husband is recovering his business 👏👏👏
@anshumanfinance
8 ай бұрын
Yes Farah is an inspiration and I look forward to meeting her again next year to check upon the progress :D
@Mauvellista
8 ай бұрын
🙏
@makeup4me106
8 ай бұрын
She is an inspiration for all of us🎉
This lady is extremely lucky that she has a family owned house , otherwise this would have been disastrous
Good episode.. All the best to the family.. actually Indian women are very competent in every aspect. I am sure your family will get back to a healthy financial strength soon.
@Mauvellista
8 ай бұрын
❤
Looks like both father and father in law have done financially good. They should take advise from them, like for everything, about buying phone, car, whatever which costs a considerable amount of money.
My salary is much more than a lakh per month but I am still using same android phone for last 5 years. I have no plans of buying a new phone as long as this one is working well.
@r.t.1934
8 ай бұрын
Same here
@parikshithegde7477
8 ай бұрын
It's always a psychology of humans to try to own things that they can't afford. For people who can easily afford say an iPhone, car etc would want to own a home. Basically we eventually find a way to get trapped in one way or another😅
@GreenDriveIndia
8 ай бұрын
Same here.. when I was earning 50 k per month, max cost of my phone didn’t reach more than 18k. Even that to 4 years till it died
@APEXGAMING99
8 ай бұрын
@@parikshithegde7477Sooo truee
@sgsan705
8 ай бұрын
Those who earn well are secure about their status and got nothing to prove to others. It's broke people who buy on EMIs and show off. Iphone can never be taken as an indicator of financial status
Hats off to your dedication Farah. You’re a gem for supporting your husband when his business is suffering. I hope you make better financial decisions in the future and your husband’s business flourishes allowing you to be a homemaker like you want.
@Mauvellista
8 ай бұрын
❤
Such an honest one. What she is doing is commendable working , managing a home , a family, supporting the husband. Am so glad she considered approaching you Anshuman to get guidance on her finances and fix them for a more secure future. The first step is important. Can I request you to do more of these with middle class & working women of our country.
@anshumanfinance
8 ай бұрын
For sure, we get very few female entries. We have gotten in touch with most of the female entries from the cities we have toured
Mam, I had this impulsive purchase problem because growing up, had never got many things which I was able to buy eventually. The impulsive buying was so rampant with me, I had to take psychiatrist councelling to come out of it. One thing that helped me is, delaying purchases. I didn't use to say I won't buy, but I would delay the purchase decision by a few days. And the moment used to go off. Slowly, I got things into control...to a large extent. I still buy...but not as irresponsibly as earlier. Hooe this helps you too.
Respect to this lady. She respect her husband even in bad time supporting him financially too🙏🙏🙏🙏
@Mauvellista
6 ай бұрын
❤
Notice Anshuman's transition of tone from 7:05 once he gets to know about iphone 14 plus emi.. 😂😂....
The lady is the symbol of empowered woman who is managing her family , responsibilities & still able to maintain a warm smile .
She is doing great... managing and balancing both household work and her office work...and the vest part how concerned she is for her husband, child and mother in law ✨✨
@makeup4me106
8 ай бұрын
That's true Let's focus on the positive
@Mauvellista
8 ай бұрын
Thanks
@sadfghyt
8 ай бұрын
@@Mauvellistaकोई ज्यादा टेंशन वाली बात नहीं हैं mam 1 year tak thoda struggle hain sirf Best of luck 🤞🤞
@Mauvellista
8 ай бұрын
@@sadfghyt yes
@k.ssashwat6710
8 ай бұрын
Most men do all these things and never get appreciated
They are saved because of their parents (Home & Car). Otherwise super hard for 3 genarsdtions to survive with 55k in a high end City like Delhi
So good that Farah is realising where she is faulting and making necessary corrections
Most easiest rule for finance - 1. 50% need 30% lifestyle 20% savings 2. Wait for 3 days before buying super expensive thing, if after 3 days you still feel the need, but it else it’s just waste of money.
@zonejvm
8 ай бұрын
And buy only if you can afford to buy the item twice, else don't buy
This felt way more in depth than any other fyf episode. More of this!
The best part of this video is the woman. The husband is so lucky to have such a grounded, supporting and humble wife. Even 10 EMI won't matter when u have such a wife😊
She said 2.5K a week for outing so 10 k per month, This was not added during the total calculations at 13:49 . If we add this total expense crosses 55k. Only god knows how are they surving😢. One great thing i liked they are not spending insane amount on kid education unlike some parents who pay 10k per month in so called international schools just to show off !! 😇
@makeup4me106
8 ай бұрын
True She also deserves some amount of her income to be spent on herself. She is doing a lot
@AakashKumar-vf3dh
8 ай бұрын
I don't think they do it for show off. I would rather spend on quality education than on unnecessary items like mobile.
@makeup4me106
8 ай бұрын
@@AakashKumar-vf3dh who says quality education is only provided in expensive schools
@AakashKumar-vf3dh
8 ай бұрын
@@makeup4me106 My point is she clearly didn't need an iPhone for her and oneplus for her husband too, but I would prefer spending extra money on education rather than luxurious items. And for such low fee in Delhi I even doubt if the education is any better.
@visheshbhatia2221
8 ай бұрын
@@AakashKumar-vf3dh Oh my god, how can you even say that. What kind of education the expensive schools can provide to 5-10 year children that normal schools can not, it's clearly waste of money and obviously SHOW OFF. Parents should always invest huge money during crucial year of education i.e 10th 11th and 12th so that child can get into great govt. College. After that it's his responsibility about his own future
This is called women empowerment ❤😊.....We need this type of content
@Mauvellista
6 ай бұрын
❤
Fix you finance is the best series and kudos to Anshuman for such episodes.
Instead of sponsoring acko, you must research well.... "Sorry, we are unable to cover you at this time. We're working hard to bring our plans to more families."
@rahulupdhy
8 ай бұрын
Ab banda sponsor se kamai bhi naa kare ky?
@juhi.rajput
8 ай бұрын
Yes please research and then tell to us if it's good
@ps2k12
8 ай бұрын
In case of health insurance, no one is satisfied. Koi bhi company pakad lo and search for its reviews.
@cbazxy2697
8 ай бұрын
Stop being an entitled prick. As long as sponsors are related, Not scams/fauns/pump and dump scheme you should really be complaining while watching a free video on youtube.
@suneeshkachroo
8 ай бұрын
When you know it's sponsored promotion why would take it seriously.
Very surprising that she has an iphone worth 1 lakh and spends 36k on her laptop which actually gets food for her on table, and 12k for kid’s education ☹️
@makeup4me106
8 ай бұрын
High school fee doesn't always means a good school
@PriyankaBanerjeee
8 ай бұрын
It's possible that the kid's education is subsidised
aaj kal ka mauhal and gender biased laws dekh kar mera shadi se vishvas he uth gya tha... par in didi ko dekh kar thodi himmmat ayi ki ladkiya asi bhi hoti hai😍😍 he bhagwan hame bhi koi asi he dila dena understanding....😀😅
@Mauvellista
6 ай бұрын
❤
Can't imagine people taking loans for cell phones. Seriously guys. Also, it's good to see a Muslim family opening up a discussion about their life and it's management. More Muslim families should engage socially which will help mutual growth.
Man, people in Delhi living paycheck to paycheck, we are catching up to America quick.
She is a true inspiration for all the women out there.
@madhun6432
8 ай бұрын
How? She never did anything great? Once she achieves her set goals she can be an inspiration to others
managing finance is very difficult and u are absolutely great at that...
Now this is what I call a strong women......ready to accept her mistakes....sticking by her husband's side at his bad time....thinking for the future ...you go women.....you CAN DO IT...believe in yourself
@Mauvellista
5 ай бұрын
❤
Thanks Anshuman for sharing her story... It has opened my eyes.. Love from Bangalore ❤
I just came across this video and first up - Anshuman is doing a great job. I was not aware alot of people needed this. Second, I feel so blessed to have had a dad who taught me planning in everything, leading by example. I never really felt these things would be found on the internet!
My salary is much more than 1.3 lakh still using 10000₹ poco phone Its all about desire and wants.
@Happysoul_3
8 ай бұрын
Good to know that u have overcame your urges.
@abhimanyudeb
8 ай бұрын
What's your point ?
@saxena_aks
8 ай бұрын
@@abhimanyudeb simple jitni chadar ho utne hi pair failaao aur mast zindagi jiyo
@arnavkhandekar166
8 ай бұрын
You work in tech?
@GauravSharma-si8fg
8 ай бұрын
1.3 lakh is normal salary, good that you use 10k phone. That's all one should buy at 1.3lpm
Just came across randomly to this video... Most realistic approach/explanation.
She seems to be really strong, independent and honest lady. It’s commendable how she is managing home, kids more power to you!
@Mauvellista
8 ай бұрын
❤
"Mien hi cooking krti huh, kabhi kabhi mummy krti hai": Kaleeeesh incoming
Respect for the lady. Really amazing for taking care for the family.
This videos seems to connect better compared to other videos , Other videos were like HNI’s 😂
@makeup4me106
8 ай бұрын
Tru
@zonejvm
8 ай бұрын
True
Well its very courageous to come on this show and publicly disclose their financial decisions. This lady and other people as well..
So simple, honest and mature lady. Hats off
I felt this is one of ur best episode. You actually helped her with finance. Rather help someone who doesn't have any issues with finances. Request you to help and publish who really needs help.
Kudos to her for showing up on this channel. You will soon get rid of this emi❤
Watching these videos makes me feel good about my purchases
Kudos to her for being honest and represent a lot of people in our demographic!
Thankyou so much sir for the knowledge u have given us through ur videos
@bryan69in2002
8 ай бұрын
Agreed but i14 ! That is atrocious
Itsss so important to focus on money and career, rather than our material desires
The real independent women supporting family💯
@Mauvellista
5 ай бұрын
❤
you are so brave Farah to do this. I stay in delhi in a similar situation so it really helped me gain some insight. Thank you for showing your courage....Have a good future and all the best
@Mauvellista
8 ай бұрын
Thank u for the positive words
Good luck, Farha! You got this 🙌🏼
Hi there, I know you are just recommending Acko but being a newbie in health insurance..have you gotten any feedbacks or response on their customers experience in claims? Also, is super top up a good option for salaried employees who are covered by company instead of platinum plan?
Kudos to her for keeping the marriage alive,many women would just divorce the guy and go back and live with their parents or get re married.
@Mauvellista
8 ай бұрын
❤
Anshuman to be honest acko is not a good insurance company, please don't promote such companies just to make some quick money!
In metro cities, it's a common problem to buy unaffordable things and many colleagues in our office has expensive things because of so called show-off.
amazing lady. good luck on her journey.
Good content for right kind of situation. Mamy women in delhi are in similar situation.
Thank you so much for creating such content Anshuman 😍😍
Finally a good episode in which most household Indians earn that average income.... Not those people who earned lakh and still not knowing how to mange well...
Acko health insurance doesn’t cover heart ailments. Don’t fall for it. I just enquired with them.
What a lucky guy his husband is. Gem of a woman! ❤
Such type of videos we need.. ❤
Yaar scooty and Iphone ke liye bhi EMI. All thanks to my Marwari upbringing! Mere gharwale - Jab paise ho tab sochna, warna aukaad se bahar, par khareedna se pehle extra savings bhi honi chahiye
@aviationbeast3646
8 ай бұрын
Same here 😅
First and foremost, pay all the debts preferably in next 1 year. Next immediate action should be throw away credit cards. Next will be to grow overall income rather than just cutting down on expenses. Alongside plan for future. Could be children education, holidays, House, emergency etc. after all these are set then you can look at improving the standard of living like buying latest iPhone, luxury handbag, shoes etc. (only when your income permits. If it doesn’t then again focus on growing your income not cutting down on any expenses)
Anshuman I wanted to hear your ideas on SIPs and Stock market. And what are the most growing possible areas to make money
Any woman who supports her husband is true gold.
i feel anshuman video editors need 100% raise and good bonus in this dewali great hook jobs 👍👍👍👍👍👍👍
This was such a genuine video. I hope Farah completely avoids taking EMIs and saves before she spends.
@Mauvellista
8 ай бұрын
❤
55k salary hai aur iphone le rakha hai 🤦♂️
@akashsharma1134
8 ай бұрын
Its not about iPhone its about not an investing mindset. But she is really a great personality
@BSASITHARANJ
8 ай бұрын
@@akashsharma1134i think both father law are financially stable She received Car for weeding looking financially stable family 😅
In delhi series of fix and finance make video on posh colony in delhi and their job profile... Richest colony review like Hauz khas Dwarka etc
Electricity bill more than 5000 means you need to definitely switch to solar
They say on an average you can save 50% more with only sacrificing 5% of your quality of life which seems so true after watching this video
Hey anshuman make more videos on salary
There needs to be a series about fix your family also. What would be a list of questions like?
Finance Education need to teach in schools as a subject. Its a need for todays kids.
U are just great at everything u do...and managing finance in this era is 🤕 ... respect and applause for u 🌸
@makeup4me106
8 ай бұрын
Very true
You are an inspiration mam 🙏especially in current times.
@Mauvellista
6 ай бұрын
❤
People going broke to buy iPhone, it’s crazy
an amazing independent woman, who supports her family, and husband. every Indian man deserves a wife like her.
@Mauvellista
6 ай бұрын
❤
As a society we really need to educate each other about letting go of these expensive smartphone addiction.
she is an inspiration
This was such a genuine video ❤❤❤❤❤❤❤❤
@Mauvellista
8 ай бұрын
❤
I am earning 40k working remotely living in my village with my parents zero expense 😂😂😂😂 saving 100%
appreciate this woman ♀️ not only she all woman's
When she said.. I'll buy a health ins. mother in law..its the best thing ive heard from a female
This video is so good ❤❤
Can we change from other policy to this policy even when existing policy is running
Ek asi biwi me bhi deserve karta hu 😊, she is so nice 😅
Legend says both are still saying "basically" till now
Realizing that there is a need to fix something is the first step towards getting out of debt and building wealth. We all know in the back of our mind that we buy ad own things that we cant afford. We cant be blamed am8dst all these tech youtube channels beating their drums on their next unboxing and first impression videos.
More power to you Girl !!
@Mauvellista
8 ай бұрын
🙏 thank u
Please include subtitles, Thank you !
@santhoshsankar657
8 ай бұрын
Still the subtitles has not been updated yet.
20% of the video is on promotional video. nice anshuman, you are learning business fast !