Been earning since 18. Currently a CA. A finance advice i would give to everyone and something i follow religiously : 1. Always save first. I have a thumb rule of saving 1/3rd of my salary and putting it in stocks or mutual funds. 2. Create two accounts. One for your small purchases such as everyday groceries etc and one for the bigger purchases of anything more than 1k. Always use a credit card for the bigger amounts. Credit cards are a boon if used wisely. My sister and her husband paid for all of her wedding expenses via credit cards and gathered points enough to have a free business class flight and stay for their honeymoon! Hope it helps :)

@ShivangiSharmaOfficial

9 ай бұрын

Brilliant advice! Thank you ♥️

@palakksrivastava

9 ай бұрын

Hello! Just wanted to ask, which credit card do you guys use?

@sakshishah645

9 ай бұрын

@@palakksrivastava Hi Palak! Personally i would recommend you look into credit cards based on your lifestyle. But for me personally, since i travel frequently- Axis atlas credit card works really well. HDFC millennia is also something that i use for online shopping and ordering food etc. they have great cashbacks

@aakhyasharma9949

9 ай бұрын

Which card 🤔 🎉❤

@juhikumari9385

8 ай бұрын

Mam plz guide about stocks and mutual funds

Despite being a part of the tv industry at one point, you've managed to keep yourself simple, sober and so grounded. Love this about you! ❤😘💕

I have never seen a girl and a mature couple like you both.....you are ❤️❤️🧿🧿

Learnt so many things.People should discuss on this topic to have the clearity in life. Thank you for your suggestions.

Really people don't talk about this but this is really needed, the way social media is bombarding things on us we at times do feel FOMO about so many things. Everything that you said in this Candid and raw conversation is so practical! Bring more such!❤❤

You are so genuine. I totally needed to hear this. It’s so much more clear now. Thank you! 🙏🏼

loved the video,you have literally spilt the tea of truth ,want more of these loads of love to both of you and many many good wishes for your future ahead

PERFECT ADVICE!

Love this video... completely resonate with it ❤

Perfect advice! Finances matter a lot. There should be a balance of saving and yolo

It's like listening my own story from you!! Love you!! And thank you for speaking about it!❤️

Extremely well articulated Shivangi😊

Great thought of yours ❤❤ thank you for sharing it

Well said ❤️ want such videos more

I do remember being money minded sometimes with beauty products but mostly i regret spending excess amount of it since they aren't worth it

thanks fo honest advice

Reallllyyyyyu reallllyyyyyy loved dis ❤️❤️❤️ more of such videos …… Thanku for sharing us ur experiences and making us learn frm it and helping ❤️ thanku

Loved this.......want to listen more from you....u r a very brillant speaker, i could not resist myself from watching ur full video

So much clarity u have in ur life and thank you so much for this video it was very very relatable for me❤️❤️

Your videos are literally treat for us❤...please never stop making long format chit chat videos😊❤

Such a dignified, classy and grounded woman!

Very well explained. It feels nice listening to you.

Exactly Shivangi!!! I too blundered a lot during my career peak and ended up knowing who my actual friends were, however the wrong way 🙃 Anyways you are open in speaking about this much love❤

Not to expect grand gesture from your partner if you yourself cannot do the same for the other person was the best thing i heard in this video, taking this away as a learning.

Thank you for making this vlog. It is very inspiring

Wow. Your clarity towards life is amazing. Thanks for sharing this. And when you said that whenever you want to spend money on something then you should have that much in savings as well, was mind blowing! I am gonna do this from now on❤❤

This is beautiful. Thank you Shivangi !❤ Aisaa lagtaa hai to I am seeing a part of my story. God bless! ❤❤❤

Even after being from upper class family, you have so much values, understanding and morals. Many people nowadays even if they are not rich act like retards on social media. But you talk sense❤ Just listening to you for just few seconds hits different otherwise I don't watch any youtuber's storytime oftenly.

Thank you , you shared your story with us It really helped me . Thank you so much , blessing ❤

This was just perfect piece of advice ,u r so honest n true to the core,lots of love n blessings ❤️❤️❤️❤️

Gosh I love ur content such a positive influence ❤❤❤❤❤

12:35......100% right. So honest video. 💯

Boht acha video bnaya h apne.. ese videos aap acha krte ho.. means jis trha se u explain things.. great .. keep it up

Superb topic 👌👏 Finally some one spoke about it 👍

This video is so genuine. I am also an impulsive buyer of sorts… i used to be the same as u explained here. But now i am living in a different country and here too when i got my salaries i got stuff for my family without saving. I am not saying that buying things for my family is a bad thing… i would do that every day if i can but now in the start of 2023 my new year resolution was to start saving which i did but then things happened differently and i had to use my savings to live altogether… but none the less, i am again started up saving and i was wanting to buy a luxury bag as well since it was in mh wishlist for the longest time and i was planning to do it next year. But now after seeing this video, i think i am going to save the nxt couple of years till i feel i have enough in the savings after i buy that bag. And mostly i am going to do as u do that u have to have double the amount in ur savings for the worth of things u buy!!! I also liked what u said about partners being on the same page in terms of finances. I hope i use ur suggestions and make most of it!!! Thank u for such a nice lesson!

Please bring more such videos 👍

Thanks for sharing your beautiful thoughts wid us...as a college going girl I learn a lot from this video ❤️..from prayagraj

Shivangi ur a gem to find on KZread u truly im happy ur guiding us on such a topic i have just turned 18 n these tips will help me keep things in mind in the future, i try to budget my pocket money so than i know how to handle money ,u should do more talking videos also very happy to see u both in fobes india

Much required talk, i see so many you tubers spending like crazy on luxury bags ect.. which sometimes may be mis leading for youth.. first earn , save twice the amount and then treat yourself.. its true..❤ like your honesty and simplicity..

These kind of videos really help people, can be an eye opener for some.

Thank You Shivangi. As a 32 year old born and brought up in Malaysia, I never had any goal in life when it came to finance due to my constant turbulances in health. And due to this, and also my heavy weight, I am still unable to find a lifepartner who is genuine. After listening to you, I realise that financial independance is very important as nobody is with us to support us forever. I dont know it is too late or not, but I have started a part time job recently that is enough to pay for my meals. I hope I become like you one day. Then maybe, I might find a good husband also. Loved your advice in this video, thank you Shivangi ❤ Lots of love, from your fan in Malaysia.

I loved this vedio.. ur sooo me and u was sooo me.. but i am trying to be where u r right now.. but storytimes makeup vedios are the best.. please keep on doing such vedios they’re a treat to watch and learn and listen to.. lots of love shivi💜

Well said

Hello shivangi i am great dan of ur content. Please can u make a video on how to save money n what steps did u take to do so❤

Enjoy your life while you can. At least your partner is loyal , no kids yet and you realized this early on with support.So stay blessed . Some of us are made clowns and as the saying goes” at least we lived like a queen for a day” ( that’s the excuse which is also right as we miss those days).People are dangerous and toxic so watch out , they are simply out to challenge /trigger and ruin( teachings) you . Enjoy your freedom and spread love. Good wishes

I didnt earn but earlier just like you lot of people took advantage of me but one day my very good friend made me realise one day she borrowed money for buying samosa in canteen and next day she returned the money i was surprised and said no need to return back before that my many other friends used to borrow money (everyday)and they never return me back but she said dear paise paed par nahi ugte and we dont earn yet this is your parents hard earn money so keep it tera birthday ho tab treat dena abhi rakh....and that day my friend made me realise the value of money...even it was very small amount...and till date we are friends, she is married had a baby we havent met for so long but we are constantly in touch with each other on phone, msg....having such a friends is blessing...

Where do you save and investing?

Very good advice for this generation ❤

I absolutely loved this video.

Wow vlog ❤I also don't save money like I have zero savings..bt nw it hits me that I should start doing savings as well.. instead of buying cosmetics clothes unnecessary all d time

You are right.. we must respect money... being ethical is very imp..

Welcome back to "OUR" channel hooked me throughout the video 😊

Very nice n honest

Please make more videos like this. This is really needed but nobody talk about this How did you inculcated the saving in your mind because clearly I can't Also like you I have spent a lot of money on others but when it came to me nobody helped me and still I can't say No when someone ask me for help Now the situation is that I don't have a enough money to survive even one month without monthly salary ☠️

U spoke 💯 sense❤

Best advice heard today 🥰

I can relate so much… people taking advantage is so real… 👍

Very true video

Aap bahut acha makeup krte han Matalab sabse achaa❤

You seem to be such a nice girl.The way u talk.The way u make up.I wish I had a personality like u.

@ShivangiSharmaOfficial

9 ай бұрын

You are perfect the way you are. Your own personality is beautiful and you don’t need to be like anyone else ♥️

Kaun sa sunscreen aur moisturizer use karthe ho didi❤

"Abhi to mere bohot kam dost bache hai" hit me hard🙃 Today I'm feeling depressed from evening. Sab negative lag raha hai. Rona aa raha hai. And I'm just alone. Mere 3-4 ache dost hai but aaj call kiya to shayad unko meri baate rr lagi😢 Ab realize hua ki baat karne ke liye koi nahi hai to or bura lag raha hai. Lagta hai ab pehle jese dost nahi ban paenge. Jo ache Bane the wo bhi ab ek ek karke kam ho rahe hai ya bat nahi karte😢 it hits me hard tonight. I'm sorry guys ye negative comment karne ke liye but I literally have tears In my eyes🙃 bas raat kaatne ke liye ye video dekh rahi hu😢 hope nind aa Jaye to bura kam lagega

Plz share your hairstyle... how you do it

If I talk about spending money, it's world wide rule that spend money on your badly need things you will never regret

how did you control your shopping urges.? I have FOMO when it comes to something I like be it mango coats/jackets or forever new dresses

Bro for you Shuru se hi samjhdar hoti to zindag mazedaar na hoti (original hai). First time writing to you, because mostly you speak as inclusive as possible and that comes with certain humbleness that you have and it was no different this time around as well except from few places where I felt you are being harsh on your perspective of your memories. For example: you said you spent a lot on your friends (who are not in your contact any longer but at that time they were your friends) so its okay, I think it's only fair to treat money like a resource and not essential. It's great that you didn't attach yourself with the money you were earning and double amazing that you had the heart to let some other be happy and you said you were happy in the process. So yaaron di yaar thi bro tum, best type.

Very well put! Important to save n not let free loaders take u for a ride

aap kitne innocent 😊😊 ho❤

❤❤

💯

Mujhe pata hi nhi tha you are an actress. Hahahahah I thought you are just Like normal couple vloggers

My story is similar to you. I'm really trying to change it.

As someone who just started earning, I needed this

Please make more talking videos ❤

❤

Aapne to aankhe khol di meri...I realised that main bhi bhut faltu kharch krti hu 😮😮😮

Yaar ye chize Maine bhi ki hai 😢

❤❤❤❤❤❤❤

मेरी शादी होने वाली है.... हमारा रिलेशनशिप 9 years का है... लेकिन आज़ तक मैं जॉब करती थी लेकिन अब शादी के लिये मुझे जॉब छोड़ना है...... मूझे लगता है की मेरस हस्बैंड मूझे दिला सब कुछ देता है लेकिन मेरे हाथ मे पैसे नहीं देता... So मूझे ये बात समझ मे नी आती

Perfect 👍

Omg plz make these type of videos Would love these thanks for being there as an elder sis 💜💜💜 thank you …. Much needed video plz make more … lots of love🤎