Sad facts are 1. people who are looking at this videos already understand good financial planning 2. the people who need this most will never watch this video.

@Mindful_moment_mm

4 ай бұрын

If these things happen who will make KZread video about crises, KZread algoos are smart

@nishantmehta

4 ай бұрын

@@Mindful_moment_mm you get recommendations based on your bubble. That is why most Americans dont know anything about the world outside their own region / country.

@subhambiswas8374

4 ай бұрын

Loll true .

@millionairemotivation6035

4 ай бұрын

I agree😂😅

@train_xc

4 ай бұрын

Delusion is a bliss

Reality is those who buy Iphones on credit card will never see or accidentally open these type of videos of financial knowledge.

@YourEverydayGuide

4 ай бұрын

So True !

@shabariprasad3490

4 ай бұрын

So true, they are aiming for other things since this has been aquired

@mehulpatel9579

4 ай бұрын

👍🏻🙏🏻

@sharma728

4 ай бұрын

मैंने कैश लिया है पेमेंट कार्ड से की थी 3200 का डिस्काउंट लिया और बाहर आ कार कार्ड की पेमनेट कर दी क्रेड से

@rishabinformation4381

4 ай бұрын

Heart touching videos 😂😂😂😂😂❤

Simple rule of using credit card is " If you cannot buy something with your debit card then dont buy it with your credit card"

@rajendragangurde4577

3 ай бұрын

Ohh yes, read my comment. I follow this exact principle. Been doing that for 15 years now. If I'm unable to actually pay the credit back even if I don't get paid that month, I don't buy that item.

@saswatmohanty8132

3 ай бұрын

Then why should I opt for a credit card in the first place

@nmohesh

3 ай бұрын

@@saswatmohanty8132 when I was working in finance sector, I saw one applicant who earns in crore annually but he opts to buy TVS heavy-duty on loan. I was surprised he could have paid that money at once. total amount of 70000-80000 will be debited at once. rather he pays 3000-4000 monthly so he can manage the remaining money on other things. if u want to buy something buy at no cost emi.

@slayerace5637

3 ай бұрын

But bhai i never bought anything expensive with my credit card all i did was take money out from credit card and lending it out to my so called "friends" ab vo na paisa vapas kr rha hai or na extra charges pay kr rha hai, muje chu**** bana diya. Ab mai regret kr rha hu k kyu paisa credit se nikal k udhaar diya.

@dgtemp

3 ай бұрын

@@saswatmohanty8132 Because you get monthly rewards and discounts at some places. Even on amazon or flipkart while purchasing online you get a discount.

It's foolish. To be paying EMI for 24 months for an overpriced phone which will have become outdated by the time you clear the debt....and they take out a new loan for a new phone again. If you miss one EMI your CIBIL score will get spoilt and it will become difficult to borrow money for things that are actually worth.

@MayankAnuragi-d6f

15 күн бұрын

I thinks it's CIBIL

@mrs3188

5 күн бұрын

@@MayankAnuragi-d6f you're right. thanks

Fight Club got it right: We buy things we don’t need with the money we don’t have to impress people we don’t like.

@samriddhidubey9759

Ай бұрын

yes!

@empathMaid

Ай бұрын

Dude, 1ST RULE!! 🤦

@Lightyagami-tx2xb

Ай бұрын

1st rule don't talk about this club.

@joemamagae

Ай бұрын

***** **** has always been right

@Bruce.waYne69

Ай бұрын

bro you broke first rule of fight club

Middle class Indian youngsters are not even capable of handling debit cards responsibly let alone credit cards 🤦‍♂️

@rahulgamer4574

Ай бұрын

Bhai Maine 10 din pehle hi 🙂 card kho diya

@hakim5939

Ай бұрын

@@rahulgamer4574 Shabash 👏👏👏

@rahulgamer4574

Ай бұрын

@@hakim5939 🥺😂

@Christinayangismymommy

Ай бұрын

My dad has never used a credit card in his life and thats why i wouldnt too.

@RaJ_164

Ай бұрын

Cap am using 4Lac total limit from 4 cards 😋 6lakh in income filing passive income (am 18) I own a house on my name

Earning 90000 per month and still bought a 28000 rupee phone on credit card with no cost EMI. A little proud of myself 😎💪🏻

@sata1207

Ай бұрын

Earning 4k euro per month, still can't save 500 euro, using a 3yr old redmi phone. Ichcha to bohot hai, aukat nehi hai 😢

@whatkillido

Ай бұрын

@@sata1207 Fr to bhai India mein aakar 90K ki job hi karle, single hoga to aaram se 500 euros bacha lega usme se 🤣🤣

@ishu2204

Ай бұрын

What about the administrative charges😅😂

@user-ii4fw6jk1x

Ай бұрын

​@sata1207 Germany?

@anupamraj3922

Ай бұрын

agar aap 1lakh har mahine kmate ho to aapko 20 se 25 hazar ka hi khadna chaiye....its a finance tips

This guy is so broad minded having vast practical knowledge. How efficiently he analyses each actions we do. Beautiful expression of language skill. Beautiful n clear voice quality. Good speed yet not compromised clarity. Need to learn a lot from this guy. Shubham!

@YourEverydayGuide

3 ай бұрын

Wow, thank you so much 🙏

I have pkg of 40LPA bt still using a phone that's current market value is 3800 rupees (yes 3800₹). Using the same phon from last 3 years. I bought this phone @11000. N by continuously saving money I bought a property in a good location. ( I am 29)

@sigmachadtrillioniare6372

4 ай бұрын

Bro what job do you do

@chartspeaks4525

4 ай бұрын

Lele Bhai thoda mehenga phone. Kafan me Jeb nahi hoti or zindagi hamesha lambi nahi hoti😅

@lordsarkar3954

4 ай бұрын

​@@chartspeaks4525hahaha best reply😂

@snehanshuphukon728

4 ай бұрын

By upgrading to a 20k phone, you will immediately notice improvements. No need to go above that.

@DharmaRamm

4 ай бұрын

@@chartspeaks4525 hhahaha, bhai maine abhi ek apartment buy Kiya hai yhi thodi thodi savings kr k 1cr ka. Wo mera ek investment bhi hai or rent to aayega hi or ghr ka ghr bhi ho jayega. Baki Mera khud ka ghr yo hometown me h hi.

I have been on the other side of Credit Card users i.e., the immature side. That was 10 years back. Now after learning my lesson I use multiple Cards for Monthly shopping only and make points. Which is then used to further reduce costs. My CIBIL score is 830 plus for nearly 8 years now. If I take any home appliance on EMIs its always zero interest and paid promptly. I never pay only minimum due, always full amount. My credit limit for my cards varies between 7 lakhs to 10 lakhs. Yet, my monthly overall bill never goes beyond 3k and overall utilization is 4 to 5% only. It was difficult but eventually I learned how to play the game of financial instruments. Be smart and all the best!

@atishbhattacharya3473

4 ай бұрын

👍

@kanishkvv

4 ай бұрын

3-4K monthly spending through credit card is nothing. You have not learnt the game of financial instruments. You are just not playing the game.

@kanishkvv

4 ай бұрын

The key is to make as much use of credit card and pay full bills.

@TheSubhojitc

4 ай бұрын

@@kanishkvvyou are correct

@HemantPatels

4 ай бұрын

Having credit limit of 7 lakhs and your Monthly bill is not beyond 3k?and you think you are playing smartly? Seriously? You Better Stop using Credit Cards

My brother told me the best advice in financial terms i.e, not to buy anything through credit card in emi. I use credit card for instant cashbacks and pay the full amount in next billing cycle wirhout paying even a single penny as interest in this way I'm improving my credit score as well as card limit.

Y the f* youtube dont publish these kind of educative vedios to every user?? Hats off to you man! You are bringing content which can educate and change many of our Indians !!! Appreciate for your efforts to be different than a normal finfluencer!!

I always follow one simple rule, first save then buy as it gives 2 benefits, first you will not fall in debt trap and second in the process of saving, with time you will get more clarity that whether you actually need that thing or not.

When I got my first job, before getting my salary I took a 1lakhs loan to start a side business. At that time my friends had all apple products. I had a 3.5k phone. Now I am doing full time business. They regularly comes to me for loan 😂

@mohammedkhalander3058

4 ай бұрын

What business

@suvojitnaskar

4 ай бұрын

@@mohammedkhalander3058 Digital Advertising Services

@shantanukumar7174

4 ай бұрын

What business did you start in 1 lakh

@suki_2.0_

4 ай бұрын

What business bro

@ayyanghosh7066

4 ай бұрын

fek ne ka bro😂

Alhumdullilah I am 31 and never acquired any sort of loan, life is so peaceful and I have all the necessities of life.

@dhirajgawande007

3 ай бұрын

Really. I got no loans, tons of savings. Life is really really peaceful this way😂

@sam-oe7vk

2 ай бұрын

Loan lena Quran me galat hai kya?

@asteryt5277

2 ай бұрын

​@@sam-oe7vkAbsolutely

@aizen4851

2 ай бұрын

​@@sam-oe7vkloan Lena nhi he agr majboori me lo to shayed but interest lena haram he Islam me.

@supersamosa7153

2 ай бұрын

Bhai phat mat jaio

Barber wali baat is very true...May barber has only studied 2nd standard and he says.. "iphone kabhi HAIK nahi hota .. Heat nahi hota...chahe kisi ko bhi puch lo.." ganda sa 200 Rupy ka t-shirt aur chappal pehnega... lekin haat main iphone to to chaiye

This pandemic will make me rich my Bajaj finance and jio Finance stock will go up.

@hakim5939

4 ай бұрын

SBI Cards?

@Slushy.o0

4 ай бұрын

Just buy banking financial ETF

@shiv1933

4 ай бұрын

😂😂

@soham8208

4 ай бұрын

😂😂correct

@ShoyebAhmadKhan

4 ай бұрын

U r real businessmennnn😂

Gen z will own nothing and still feel happy about it. More than half are reckless about their finance. Invest in good assets while young to reap benefits along the timeline or get doomed

@surjanarayangorai8241

3 ай бұрын

Tum vi Genji generation se ho na??

@pritpaldhaliwal6509

2 ай бұрын

"You will own nothing and be happy." WEF -World Economic Forum.

@ibtehaljabeen01

Ай бұрын

Well said ... I was born in the earliest of Gen Z era, I still feel angry on those who have huge craze on latest Apple phones, especially 11th and 12th std kids of today !!

@Xoxososowi

25 күн бұрын

I am millennial tbh not fault of gen z. Everything nowadays is on rent, nothing left to own. Ownership is only for oes with legacy wealth

Same problem in Bangladesh. Companies are praying on the young. Some even offer in store EMI that does not require a card. Millionares using 5 year old Poco or samsung and kid working on grocery store with iPhone.

@pralayaryan

2 ай бұрын

nobody is PRAYING on the young, ts the young who dont know math of finance to understand the expense

@dipro001

2 ай бұрын

@@pralayaryan school systems dont teach basic personal finance anywhere

@thewresltinghighlightsshow2776

Ай бұрын

​@@pralayaryanyou mean preying*

@fantasycricketforum

23 күн бұрын

Preying not praying

I got to learn few months back that my parents are not paying their credit card bills though credit card companies are calling them, at 20y/o coming from a lower middle class family, i was shocked! This grown ass 38-45yr old adults didnt understand this basic financial thing! Prior that i didnt used to ask or care about their financial expenses, this made me question everything and sure enough we are in debt of almost 1-2 lakhs that they could remember 🤣 I used to see my parents pay grocery bills, shopping bill with credit cards as a child and didnt think much of it, now i dont take any advice from them about money. Thats when i turned to youtube for financial planning etc. Youre doing a great job for the youth. Pray for my parents that they could pay of their debts in time. From 🇧🇩

@Om-id1qr

Ай бұрын

Aren't you working yet

@vikashprasad1666

Ай бұрын

Dude ask them to buy a vehicle or something and default karr k settle karr do credit card

@avinashmoon9426

29 күн бұрын

Default karke? ​@@vikashprasad1666

Debt trap credit card personal loans house loans etc is becoming a huge problems for teen age peoples even people age 23-30 also ! this seriously is a serious topic and should be discussed ASAP ..... Good to see youtubers like you keeping us aware

Sir mein toh 20k worth phone kharidke chhole bhature kha ke hi khush hoon. Paisa hai toh travel karo, gym join Karo , books pado, movie dekho aur apna kaam ko pasand Karo.

@sigmachadtrillioniare6372

4 ай бұрын

Real

@rushikeshshardul8046

4 ай бұрын

Real

@atithiganguly1625

4 ай бұрын

@@rushikeshshardul8046 thanks

@atithiganguly1625

4 ай бұрын

@@sigmachadtrillioniare6372 thank you

@X9___

4 ай бұрын

Riyal

Heyyy, i own poco f1 too, since December 2019, changed its battery in 2023, and its still great phone! Only paid 14800 and its amazing

Kon kon 10 hazar ke phone me dekh raha hai?

@iamnotyourbrah

2 ай бұрын

Mera 9k ka hai 3 saal se use kar rha hu, mast chal rha hai

@shinchan.1998

2 ай бұрын

Mera to 30k phone hya hard cash se kharida huya

@no_mercy4183

2 ай бұрын

​@@shinchan.1998 exactly same , using a 30k phone and will keep using it as long as it lasts

@akbarkhan-nq3xl

2 ай бұрын

Bhai Mai 15K 3 saal purane phone se dekh Raha hu.😂😂😂

@Ninetieschillout

2 ай бұрын

72k ka phone. Sony ka. Full cash pe liya he

I am using poco f1 for more than 5 years.. and it still rocks🤘

@ishikabisht7964

4 ай бұрын

same here

@dhirajgawande007

3 ай бұрын

That phone is saxxyy

@souradeum

3 ай бұрын

same bro

@asteryt5277

2 ай бұрын

Based 🗿

@kumaiyavlogs5020

Ай бұрын

You haven’t grown since 5 years damn

I am using my samsung phone since 2020. It works just fine for me. And I never understand why people go crazy behind iPhones so much that they take loans to buy them. Salary toh 40,000 phone lu 80,000 , cry Karu baar baar.

I m debt free, not in any kind of debt, Thankfully last year cleared my Bike Emi. Now I can save 70% of my salary. It really feels good when u don't have to pay any EMI and ur salary just stays there in the account as it is.

Bosss what a video there were many funny elements and lots of knowledge, subscribed you, keep it up.

2:53 no Ankur warikoo harmed😂

@UjjwalPratapSingh45

4 ай бұрын

😂

@prabirmodak8103

4 ай бұрын

😂

@Anu-hs2ku

4 ай бұрын

😂😂 lol

@vishal9264

4 ай бұрын

i was about to comment same thing 🤣🤣

@uday3240

4 ай бұрын

😂 😂 😂 😂 😂 😂 Same I was also thinking

I stumbled upon this video by accident and this is so true I have lived in Canada for 6 years and I have seen people drowning in debt with record interest rates to buy luxury cars and phones on credit cards. I hope sanity prevails because you are destroying your savings with your hard earned money for instant gratitude buy some real assets to turn your savings into wealth and then buy stuff

@qwertykumar7282

4 ай бұрын

Same situation regarding residency in Canada....Are you doing ok back in India?

@samk6051

2 ай бұрын

Instant gratification

I make 75k monthly but I was never attracted towards iPhone, simply because I never find iPhone interesting or any different than any other brands available in much much cheaper which also do better than iPhones...

@cruisecontrolonn

2 ай бұрын

Even if want to buy phone that cost that high which is stupidity I will love to have Sony's flagships or Oneplus's

We buy things we don't need To impress people we don't like With the money we don't have

@raunaqsapra7160

Ай бұрын

You're not supposed to talk about it .😊

When you start living in big city you spend on useless stuff. Living in small city saves a lot and gives peace of mind.

@chandruzone8514

4 ай бұрын

Yes btw

@RamBihade3

3 ай бұрын

Small cities are copying big cities now a days

@js913

3 ай бұрын

How do you live in a small city, if your ofc is only at big city .

@shaumiljain5153

3 ай бұрын

@@RamBihade3 What's Copying ?

@sarangsharma5346

Ай бұрын

But you make more money in bigger cities than smaller cities, be it through business or a job or even a start up

Real wealth is asset ✨ Logo ko sip karneme paisa nahi hote aur emi karneme paise hote hai😂

@Nsc99999

3 ай бұрын

चांगला विचार दिलास रे मित्रा

@prrithwirajbarman8389

2 ай бұрын

​@@Nsc99999 no It's not.

You just earned one more subscriber 👊 Watching u for the first time

You earned yourself a subscriber bruh.. this has been a valuable video 👍🏼

@evenfaisal

3 ай бұрын

Same

I am using over 7 credit cards since last 10 years and have never defaulted. I pay instantly on the Bill Generation date, also maintain an Excel sheets of all Credit Card outstandings to track expenditure.

@csstudent-W8

4 ай бұрын

Nice 😂😂 but when i dont have money why i should buy things better wait and use debit card ..

This emi loop in India has just started. Just simply invest in Indian credit card companies to take advantage of this.

@soumyacareer

4 ай бұрын

😂😂SBI CARD back to its ipo price

@dhirajgawande007

3 ай бұрын

I already brought mastercard and visa stocks last year😂

I am 19 right now, starting to learn all of these new terms and options related to finances of my own... This video made a lot of sense as to why my father uses a credit card, what are the added benefits and the hidden charges or truths behind its usage. Thank you for explaining in such an easy and entertaining way.. Felt like my big brother is teaching me these things. Thankyou! ❤

I bought an iphone 13 on 24 months emi for my wife. When i bought it, i thought i am going to impress my wife. Unlike me, she was not very happy with the luxury purchase. Scolded me initially for wasting too much money on a single phone. We both have decent paying jobs. Still, this was a luxury purchase for us. Now after 10 months, i am still paying the emi. However, i have no regrets. I want her to have the best things i could afford. She eventually started a liking to the phone. Sometimes we have to buy happiness. Here the phone i gave her bring happiness to me.

I am using credit card for 3-4 yrs... It gives you many positive things... Such as no cost EMI, converting anything into EMI, some discounts... But condition is that you only have to spend it for essential things

Chhapris next target after KTM Duke byke is Apple Iphone.😅

@faisalsheikh7846

4 ай бұрын

😂😂

@gopalray8862

4 ай бұрын

Thik kaha 😂😂😂

@chandruzone8514

4 ай бұрын

Already trageted

@forinternetinternet4490

3 ай бұрын

Bro KTM Duke is a powerful machine it's not a show of thing like iPhone

@nileshkadam6570

3 ай бұрын

@@forinternetinternet4490 Bro try to find out a bit about Apple's performance.

Am using credit cards for the last 20 years. Agree to the utube vlogger. Fiscal discipline is very important. When 4 shirts are enough, why buy 20 shirts? Can have an iphone easily of any mark. But never spend more than 20 thousand or rather 14000 on a mobile phone. All works are done and these phones such as Samsung, Redmi, Realme, One Plus are all dependable. I have one redmi note for the last six years. Play games on it successfully. The whole point is very clear to me, we shd save some money for the rainy day, not we get bogged down with debts. Debts are stressful, painful and bring shame in life. Love frugally, wisely and profitably. Save something each month. Today's savings are tomorrow's earnings. You may purchase anything but within your means. अगर कार की हैसियत है तो स्कूटी खरीदो। खुश रहोगे।

Me credit card bill generate hi nhi hone deta, kharidte hi credit card me pese daal deta hu, thank you for this video. You have good financial knowledge 😊 Is video se samaj aya ke me sahi raah par hu, ese jeene me confidence bhi ata hai.

Mera total 12 credit card limit 20 Lakh hai Lekin main 10k wala Phone use kar raha hu last do saal se😂

@atithiganguly1625

4 ай бұрын

Wonderful maturity

@CheckMater007

4 ай бұрын

Mere paas 6 credit cards hain... Mujhe lagta tha zyada hain... Aaj mera bhram tut gaya... 😂

@dittocto

4 ай бұрын

​@@CheckMater007 Using CC is kinda insanity.

@snehanshuphukon728

4 ай бұрын

Atleast 20k ka phone lele, kafi improvements hoti hai unme

@atithiganguly1625

4 ай бұрын

@@snehanshuphukon728 exactly. 20k ke phone mein abh 100k ka kuchh features bhi aayenge.

Accidentally clicked this video and It was a great decision by mistake. Whatever is said is exactly the truth .... Good content

I just land I mean visit to your video almost after a year your talking style completely changed 😮 I am watching this video like a new subscriber, just loved it

10:33 very true.. anything in life is good only in moderation.. if you use badly even good things become bad.

When you suggest a app like CRED you should also mention that the app will get all your financial data.

@sigmachadtrillioniare6372

4 ай бұрын

Haa

@FrostyTheOne_

4 ай бұрын

Not making fun of you but dude your name made me laugh for a brief second. I really needed that thank you

kis kis ke pass credit card nahi hain 😆😆

@knittingworld9641

4 ай бұрын

Card hai pr ese faltu ke khrche nhi kr skte 😊

@Rathodsanjay...896

4 ай бұрын

Bhai debite card ka bhi tension hota ye credit to bhul jao 😂😂

@rajkumarkalam194

4 ай бұрын

Mere pass nahi hai...

@RAHULBHARGAV-

4 ай бұрын

Mere pass

@biplabmahato6085

4 ай бұрын

Hai par faltu ka use nehi karte. My portfolio is much bigger than the sum of my card limits.😅

2:49 No Ankoor warikoo was harmed 😂😂😂

This is weirdly, surprisingly good style of dialogue delivery. Keep on the selecting good topics like this one. 🎉❤

Most logical, sensible vedio, specially the iPhone part. Liked the straightforwad comments and the word play 👍

Point is to spend on experiences rather than spending on materialism/ materialistic things

@thatrandomdude99

4 ай бұрын

I don't think that's the point. The point is to spend responsibly. Be it on experiences or goods.

@sigmachadtrillioniare6372

4 ай бұрын

​@@thatrandomdude99buying such unnecessary goods is due to marketing

@NidzShah-ps6kr

4 ай бұрын

Sometimes material things like gadgets and furniture improve our experiences in day-to-day life.

Badiya video important topic 🙏🏼

Financial education is like learning Vedas for us Indian.. most of us aren't interested or doesn't care ..!!

@pritpaldhaliwal6509

2 ай бұрын

Pay as you play, earn and learn. Finances of a personal nature are rarely discussed in school.

@newacc3932

Ай бұрын

Ved padhne ki samaj hone chiye. Koi lappu k bas ki baat nii ye

My income is a lot like i can buy all iphones of my city but here I'm using my motorola from 4 yrs😂😂😂

@theakashdas

4 ай бұрын

What do you do for living?

@csstudent-W8

4 ай бұрын

Seems like your city so poor😢😢😢😢

@exe.lucifer3558

4 ай бұрын

You can't even afford 1 iPhone 😂😂😂

@vishalsinghrana9440

4 ай бұрын

Motorola is love.

@shubhamrawat1654

4 ай бұрын

Are iphones vary from city to city😮?

ARey bhai kya baate boli hai 👍👍👍👍👍. Keep making such insanely brilliant and informative videos and keep guiding our younger brothers and sisters. Really Greak Work bro. Mai bhi jaanta hu kuch aaise he Iphone users ko.

True dude.. 100%. As a business man, I want people to spend. But I would never do it myself. 15k Samsung phone only and Ather bike with no petrol cost.

As always a great video, always in interest of society wellness. Eagerly waiting for another video. BE BLESSED 💐

Words are just powerless to express your unfeigned narration! Sir, keep up this excellent work.

Many young people are buying iPhones through EMI for societal status, which I find concerning. It's disheartening to see 20_25 year-olds chasing iPhones n other apple products worth lakhs on credit just for social status...😢lack of financial discipline leads to poverty

I also use credit cards but only free ones and only to buy things I can pay in full. It gives me cashback on every purchase plus lounge access. And always pay your bill on time. My credit limit is 11 lakhs but I rarely use even 10% of it. Live for yourself and your family not to show off to others.

Itne salo se you tube dekh Raha hun lekin aaj content mila bhai, tum motivational speaker ban sakte ho with comedy.... Nice with... Khatarnaak.... love you bro

Khatarnaak Introduction Speech 👍👍👍

Imagine phone is destroyed and u had to switch to Android cuz u r broke but sitll had to pay emi of phone u already lost😂😂😂

Enjoyment mehenge phone, mehengi gaadi, mehenge kapdo ya aisi hi kinhi aur chijo se nahi hoti hai alsi maja jindagi ka apne logo ke sath waqt bitaakar aata hai apni life me achhe experiences lekar aur yaadein banakar aata hai Jiske liye kisi ko mehnge phone ki jarurat nahi

Strong content ranjan Bhai ❤ Aisa hi video chahiye 🥰

Best way to pay credit card bills is to schedule an NEFT just when you get the bill, for payment 1-2 days before the due date. Just ensure that sufficient funds are available in your account on the NEFT execution date. If the CC is of the same bank in which you have your account, activate auto debit facility for the total amount due

Listening to this on my 'cheap' phone @14000, is like a balm on the soul 😎

I used poco F1 for three years, then purchased Redmi note 10 pro. 2.5 years and it rocks.

@staromofficial

4 ай бұрын

I am using redmi note 8, changed it battery 1 time...

@tanmay4703

4 ай бұрын

Poco m4 pro 9000 only we exist 😂 with 64gb memory card

@souravsharma6776

4 ай бұрын

6-7 years still using f1

@cargai7559

4 ай бұрын

M too using poco x3 maybe😂 for 3 or more years maybe😂 I don’t care, will use it as long as it last😂

@Jranjan21

4 ай бұрын

Because u guys couldn't afford other phone

This guy literally said the truth (Amiri ka sasta nasha) And kisi bhi cheez ka nasha hanikarak hota hai SRK said :- First get rich then do philosophy ( pehle amir bano phir gyan chodo) agar tumh asli amir rahoge tabhi society importance degi varna saste nashe toh sab kar hi rahe hai 😂😂

I am not going to boast my package here but I can say I'm in the top 10% income range in India. Still using my OnePlus 7t which i got it 2019. Till now i have repaired the screen 6 times and every time i paid about 15k for the original screen. The reason i dont/wont buy a new phone is because this phone is smooth as f... I don't use any social media and this phone was gifted to me by my dad who left us in covid... Never going to replace this phone until the software is dead. 🙌🏻 (I own ipad pro but its a company asset)

Bhai ka sense of humor sahi hai 😂😂😂. Enjoyed it

You are absolutely right, but the younger generation never think about this.

Khub valo video. Akdom sothik kotha. Bravo Brother...

@rajchakraborty1926

4 ай бұрын

জয়বাংলা ❤

I use my credit card to pay literally everything, even if it's a 200rs t shirt or a 20k electronic item, even if i can pay by cash but i still do, and immediately transfer money to the bank account from which the dues gets debited, this way every year i accumulate points in my credit card week worth to book return flight tickets to a good international vacation , of not full but a min 60% discount , this way i only have to worry about the actual vacation spends.

Reality is that, the reality of emi, credit card is not known to everyone. If they'd know, then they'd not use those

Super Explanation Bro... this information is very vital for me...

The best way to use a credit card is to use it like a debit card. So whenever I make a spend on my CC I pay it right away using CRED. That way I get real picture of my savings balance, get benefits of CC points, keep me CC limit in check.

@a6hiji7

20 күн бұрын

That's right. Actually rich people make profits using credit cards. Others should use credit cards like debit cards and get the benefits of improved cibil and card points.

Just like credit card, iPhone is a smart choice if you intend to use for several years. I have two iPhones- one that is 5 years old and one that is almost 4 years old. 5 years one, my son is using and 4 years one I am using. The phones are excellent, long-lasting and have zero performance dip in all these years. 5 years one has a bad charging port, but charges seamlessly in wireless charging. I consider using phone like this a great RoI. Problem comes when people try to change phone every year or year and a half and spend on that with loans

Thank you sir for this Credit card / loan (emi) ( true and deep knowledge content ) ❤

Awesome analysis and explanation. Most important thing is that you speak in a very gentle way. Very logical explanation.

Gr8 video and yes one should use their CC wisely. Also one can definitely get benefits of 45 days delayed payment without any interest.. there are No cost EMI’s available with min to no processing charges..there are cash back opportunities available..but very rightly covered in this video that there are people who are going beyond their ‘should be’ budget and trying to enjoy the luxury..

कल का दिन आज से बेहतर होना चाहिए। लाइफ मंत्र given . So nice presentation. Most competent utuber. All the success to u ! This vedio promotes one's reasoning capacity if understood. Hats off boss !

Jis dikhaave ki duniya jahan log aa kar apse apke phone ke baare me baat karein, ussey baahar aana toh dur, mein usme kabhi jaana bhi nahi chahungi ...insaan ko kaam par focus karna chahiye

I have 1.60 Lacs per month salary but I am satisfied using my oneplus 5T for the last 6 years.. It works like a charm. 😊😉

Very Important topic. Great Video Ranjan ji. 🎉 Credit card bill should be auto paid from your bank on the due date in full. You need not pay in full on the bill generation date, because that would be about 15 days before your due date. That is you will get 30 days from the last bill date. You can however pay in 45 days automatically on the due date, just ensure that automatic payment is done for full amount.

An actually funny and sarcastic indian KZreadr that's not cringe and serious too? W

@confused.cat.

20 күн бұрын

A truly rare breed indeed

When i was 22 joined as a trainee in my new job, i always wanted to buy an iphone.but i could not afford one. Five years later, lot of work lot of hikes later, now i can easyly afford one but,but i don't know,it know no longer feel like a good investment. 😅

@valt5751

Ай бұрын

Yes nowadays even 20k phone can do most of your work and even if you buy expensive phone around 50-60k, you will get bored within few days and will want new phone again😂😂.So better we save our precious money.

Sir the amount of honesty hats off 🫡

Redmi 4 Aajbhi wahi phone use karraha hunn ❤️ kaafi hai bas calls ke liye msgs ke liye aur tum jaise jo information deteho wahi dekke kuch seekhneke liye.

@csstudent-W8

4 ай бұрын

Bhut mast phone hai mene use kya hai ... lekin uska battery dead ho gya tha 2 saal phle toh use nahi kr rha ab ..

2:49 No Ankur Warikoo was harmed here. 😂

1) my first Samsung grand prime phone back camera not working but i have 30k subscribers on you tube. 2) my second phone 100k subscribeers i have Samsung j8 phone now back camera not working then i buy another ONE Plus Nord 2 . Now i have 175k subscribers 🎉🎉 Proudly No credit card i have. पहले काबिल बनुंगा then buy करुंगा 😂 Nice video thank you

Bhai aapka humour ka saath message kamaal hai 🙏🙏

Rather than buying on card I will recommend to open a DPS to where one can save money on installment. Say, 8000/- per month for 24 months. Have patience and buy iphone with own money.

I saw your video for the first time and I can really appreciate your making of video. Its really calm and knowledge bringing video, no extra effects or unnecessary background music. Thanks 👍

Truly said..totally agree with you 👍🏻

Eye opening video for present generation.

I am using credit card, golden rule is keep your monthly bill 10-20% of your monthly limit and right now i have option to increase my limit but always keep it 60-80% of your monthly income and always pay full amount.