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Fresher Earning 40-60k/Month – How to Buy First House?

Ramalingam Kalirajan |7758 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 05, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more

Question by Kevin on Dec 05, 2024Hindi

Money

If i am fresher i am earning up to 40 60k a month and I don’t have own house how to buy own first house

Ans: As a fresher earning ?40–60K per month, focus on building a financial foundation first. Prioritize savings and investments through mutual funds to grow wealth and achieve other essential goals. Avoid buying a house immediately, as taking a home loan at this stage could strain your finances. Once you've built a substantial corpus and ensured financial stability, you can plan for a house purchase without undue stress.

Best Regards,
K. Ramalingam, MBA, CFP
Chief Financial Planner
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Ramalingam Kalirajan |7758 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 15, 2024

Question by Yawar - Apr 11, 2024Hindi

Money

I am 25 earning 60 k per alomg with 5k worth of company stocks each month. Already married and wife is earning and independent. Want to buy a car and house as soon as possible without taking a loan. What to do? Currently i am investing 20k per month.

Ans: Building Your Financial Roadmap: Achieving Your Goals without Taking Loans
Congratulations on taking proactive steps towards your financial goals at such a young age! Let's craft a plan to help you buy a car and house without taking a loan, leveraging your current income and investments effectively.

1. Define Your Goals

Clarify your objectives for buying a car and house, including timelines and desired outcomes. Understanding your goals will guide your financial decisions and help prioritize your actions.

2. Assess Your Financial Situation

Evaluate your current income, expenses, and existing investments to determine your financial capacity for purchasing assets. Consider your monthly savings, company stocks, and any other assets you may have.

3. Budgeting and Saving

Create a detailed budget to track your expenses and identify areas where you can reduce discretionary spending. Maximize your monthly savings by cutting unnecessary expenses and directing those funds towards your car and house funds.

4. Increase Investment Contributions

Given your age and income, consider increasing your monthly investment contributions to accelerate your savings for the car and house. Allocate a portion of your 20k monthly investment towards short-term goals, ensuring liquidity for upcoming expenses.

5. Utilize Windfalls and Bonuses

Any windfalls or bonuses you receive should be allocated towards your car and house funds. This includes annual bonuses, tax refunds, or any unexpected income. Utilize these funds wisely to expedite your savings progress.

6. Reevaluate Company Stock Strategy

Continue investing in company stocks, but reassess your strategy to ensure diversification and mitigate risk. Consider periodically liquidating some stocks to fund your short-term goals, while maintaining a balanced portfolio for long-term growth.

7. Explore Additional Income Streams

Consider exploring additional income streams to boost your savings rate further. This could include freelance work, part-time gigs, or passive income opportunities. Every additional rupee earned contributes to your goal attainment.

8. Prioritize Your Purchases

Evaluate whether purchasing a car or a house should take precedence based on your priorities and timelines. Consider factors such as transportation needs, housing market conditions, and long-term financial implications before making a decision.

9. Stay Disciplined and Patient

Achieving significant financial goals like buying a car and house without taking a loan requires discipline and patience. Stay committed to your budget, savings plan, and investment strategy, knowing that your efforts will pay off in the long run.

10. Seek Financial Guidance

Consider consulting with a Certified Financial Planner to fine-tune your financial plan and receive personalized advice tailored to your goals and circumstances. A professional advisor can provide valuable insights and strategies to help you achieve your objectives efficiently.

With careful planning, diligent saving, and strategic investing, you can realize your dreams of owning a car and house without relying on loans. Stay focused on your goals, and you'll soon enjoy the satisfaction of achieving them on your terms.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7758 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 24, 2024

Asked by Anonymous - Apr 20, 2024Hindi

Money

Hello sir, I am 33yr old. I have a salary of 50k/month. I m living in rented house 8k/month. And SIP of 5k/month. Other expenses of 5-8k/month. Please suggest financial planning. And wanted to buy house.

Ans: It's great that you're thinking about financial planning at 33. Let's craft a strategy tailored to your needs and goals.

Emergency Fund:
Goal: Build an emergency fund equal to 6-12 months of living expenses.
Action: Allocate a portion of your savings monthly until you reach this target. Aim to have this fund in a liquid and easily accessible account.
SIPs & Investments:
Current SIP: 5k/month
Action: Consider increasing your SIP amount as your income grows. Diversify investments across equity, debt, and other asset classes to manage risk and achieve growth.
Home Purchase:
Goal: Buy a house.
Action: Start saving for a down payment. Consider your current expenses and see where you can cut back or increase savings. Also, explore home loan options to understand the amount you'd need to borrow and the EMI you'd be comfortable with.
Retirement Planning:
Goal: Secure your retirement.
Action: Start an SIP specifically for retirement. The earlier you start, the better. Consider allocating a portion of your monthly savings to this SIP.
Insurance:
Goal: Protect yourself and your loved ones.
Action: Ensure you have health insurance, life insurance, and if possible, disability insurance. Review and update coverage as your circumstances change.
Additional Income:
Goal: Increase income streams.
Action: Explore opportunities for side hustles, freelancing, or upskilling to boost your income.
Budgeting:
Goal: Manage expenses effectively.
Action: Create a monthly budget to track income and expenses. This will help you identify areas where you can save more.
Remember, financial planning is not a one-time activity. It's an ongoing process that requires regular review and adjustments as your life circumstances change. It's also essential to consult with a Certified Financial Planner to ensure your plan aligns with your goals, risk tolerance, and financial situation.

Ramalingam Kalirajan |7758 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Question by komal - Jul 14, 2024Hindi

Money

Hi I am 33 years old female i currently not having any savings but i want to start i hva 60lcs worth house no emis no loans.. salary 91k per month.. expenses most of 25k - 30K per month. Let me know how i can i plan where to invest i have 2years old daughter i am looking to first buy a property in next 5 years and to save for my child education. Thanks kindly help me tostart my journey

Ans: Current Financial Snapshot
Age: 33 years
Salary: Rs. 91,000 per month
Expenses: Rs. 25,000 - 30,000 per month
Assets: Rs. 60 lakh house (no EMIs or loans)
Goals: Buy a property in 5 years, save for child's education
Dependents: 2-year-old daughter
Creating an Emergency Fund
Importance of an Emergency Fund
Security: Protects against unforeseen expenses
Peace of Mind: Ensures financial stability
Recommendation
Target Amount: 6 months of expenses, around Rs. 1.5 lakh
Investment Option: Liquid funds for easy access and better returns than savings accounts
Starting Systematic Investments
Systematic Investment Plan (SIP)
Benefit: Rupee cost averaging and disciplined investing
Initial Amount: Start with Rs. 15,000 per month
Diversification
Equity Funds: High growth potential, long-term gains
Debt Funds: Stability, lower risk
Saving for Child's Education
Education Planning
Estimate Costs: Account for inflation in education expenses
Investment Options: Child-specific mutual funds and PPF
SIPs for Education
Dedicated SIP: Start a dedicated SIP of Rs. 10,000 per month for your child’s education
Equity Exposure: Focus on equity funds for long-term growth
Planning for Property Purchase
Property Investment
Timeline: Plan to buy property in the next 5 years
Down Payment: Save at least 20% of the property cost
Monthly Savings
Dedicated Savings: Save Rs. 20,000 per month for down payment
Investment Vehicle: Use recurring deposits or short-term debt funds for stability
Insurance Coverage
Life Insurance
Recommendation: Purchase a term insurance plan
Coverage: Sum assured should be at least 10 times your annual income
Health Insurance
Recommendation: Get a comprehensive health insurance policy
Coverage: Include family floater plan to cover your daughter as well
Retirement Planning
Long-Term Goal
Start Early: Begin investing for retirement now for compounding benefits
Investment Options: NPS and diversified equity funds
Monthly Contribution
Recommendation: Allocate Rs. 10,000 per month towards retirement
Additional Recommendations
Regular Reviews
Financial Check-Ups: Review your financial plan every 6 months
Adjustments: Make necessary adjustments based on changing circumstances
Professional Guidance
Certified Financial Planner: Consult a CFP for personalized advice
Regular Funds: Invest through a Mutual Fund Distributor with CFP credential for better support and guidance
Final Insights
Build an emergency fund first.
Start SIPs for disciplined investing.
Save specifically for child’s education.
Plan for property purchase within 5 years.
Ensure adequate insurance coverage.
Begin retirement planning early.
Regularly review and adjust your financial plan.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7758 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 02, 2024

Question by Sumit - Jul 22, 2024Hindi

Money

My monthly salary 60000. I have no any savings but right now I stay in rented house in Mumbai. I want purchase own flat Rs.60 Lakhs how’s is possible?

Ans: Current Financial Situation
Your monthly salary is Rs. 60,000. You live in a rented house in Mumbai. You have no savings currently.
Housing Goal
You want to buy a flat worth Rs. 60 lakhs. This is a big goal for your income level.
Challenges

Your income is limited compared to property prices in Mumbai
You have no existing savings to use as down payment
Mumbai real estate market is very expensive

Possible Strategies

Start saving aggressively from your salary each month
Look for ways to increase your income through side jobs
Consider more affordable areas in Mumbai's outskirts
Explore government housing schemes for first-time buyers
Look into home loan options from banks

Saving Plan

Aim to save at least 30-40% of your salary each month
Cut unnecessary expenses and create a strict budget
Start an automatic transfer to a separate savings account
Look for higher interest savings options like FDs

Increasing Income

Ask for a raise or promotion at your current job
Take on freelance work or a part-time job
Upgrade your skills to qualify for higher-paying roles

Home Loan Considerations

Most banks require 10-20% down payment
Your current income may not qualify for a Rs. 60 lakh loan
Work on improving your credit score for better loan terms

Government Schemes

Look into PMAY (Pradhan Mantri Awas Yojana) for subsidies
Check eligibility for Maharashtra Housing schemes

Timeline Expectations

Saving for down payment may take 3-5 years or more
Be patient and consistent with your savings plan
Property prices may change, so stay updated on market trends

Finally
Buying a Rs. 60 lakh flat on a Rs. 60,000 salary is challenging. Start saving, increase income, and explore all options. Stay focused on your goal.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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Ans: Hello Govinda.
Thanks for sharing the important information with us and our readers.

Nayagam P P |4085 Answers |Ask -Follow

Career Counsellor - Answered on Feb 02, 2025

Question by Arun - Jan 31, 2025Hindi

Career

How much money I can make if I join as a clerk in SBI at the age of 30

Ans: Arun, At the age of 30, a Clerk (Junior Associate) at State Bank of India (SBI) can expect a basic pay of ?19,900 per month, with a pay scale of ?17,900 – ?47,920. After deductions, the in-hand salary ranges from ?29,000 – ?32,000 per month. The annual salary package ranges from ?4.5 – ?5.5 LPA. Additional benefits include Dearness Allowance (varies based on inflation), House Rent Allowance, Transport Allowance, Medical Benefits, Insurance, Loan & Pension Benefits. Regular increments and promotions can increase earnings, and a salary of ?60,000 per month can be achieved over 10-15 years. All the Best for your Prosperous Future.

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Nayagam P P |4085 Answers |Ask -Follow

Career Counsellor - Answered on Feb 02, 2025

Asked by Anonymous - Jan 21, 2025Hindi

Career

Does Fergusson College Pune offers BA honors in Psychology course? if yes is it a good college to study psychology?

Ans: Fergusson College in Pune offers a Bachelor of Arts program in Psychology, admitting 96 students annually. Established in 1979, the college's Department of Psychology provides a solid foundation in psychological theories and practices. Students have access to experienced faculty, comprehensive resources, and a well-equipped library. The college's beautiful campus, dedicated faculty, and supportive learning environment are praised. Facilities like hostels, canteen, gymnasium, computing center, and library support students' development. Overall, Fergusson College is a reputable institution for psychology education. To know more, please visit the website of the college. All the Best for your Prosperous Future.

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Nayagam P P |4085 Answers |Ask -Follow

Career Counsellor - Answered on Feb 02, 2025

Asked by Anonymous - Feb 02, 2025Hindi

Career

I am working with insurance broker since 20yrs. I am looking for an additional income for long run. Is career counciling viable as a side hustle.

Ans: Career counseling can be a profitable side hustle if you have strong communication skills, industry knowledge, and a passion for guiding others. It offers growing demand, flexibility, and low investment. To get started, gain expertise by researching career trends, job markets, and education pathways. Consider certifications from Mindler, EduMilestones, Counsel India etc.. Choose a niche and leverage experience to counsel finance, risk, and insurance aspirants. Build an online presence by creating LinkedIn articles, offering free webinars, or joining career counseling platforms. Start small by offering free or low-cost sessions to gain testimonials and build credibility. All the Best for your Prosperous Future.

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Nayagam P P |4085 Answers |Ask -Follow

Career Counsellor - Answered on Feb 02, 2025

Asked by Anonymous - Feb 02, 2025Hindi

Career

Sir I am a student of class 12.I am a JEE aspirant.I wish to study abroad if I cannot get a cs seat in a good iit, but I missed all the deadlines ( I got this idea recently).Is it ok to wait for a year and upgrade my skills to study at ucl in case I don't get into iit?

Ans: Have You Checked Your JEE (Main) Score? What’s Next?

By now, you have appeared for JEE (Main). Have you checked the answer key and assessed your score? Understanding where you stand will give you a clearer idea of your performance in JEE (Advanced).

Exploring Other Options:
IIT is not the only pathway to a great career in Computer Science. You can also consider other entrance exams or explore studying abroad.

Considering a Gap Year for Studying Abroad:

If you’re aiming for top universities like UCL but missed application deadlines, taking a gap year can be a strategic move. It allows you to:

1. Strengthen your academic profile (SAT/ACT, TOEFL/IELTS, subject tests)
2. Gain experience through internships, research, and open-source contributions
3. Improve your programming skills and competitive coding performance
4. Apply for better scholarships and multiple global universities

Challenges & How to Overcome Them:
A gap year requires discipline and planning. Challenges include:
1. Social expectations – Overcome doubts with a clear action plan
2. Staying productive – Engage in structured learning, internships, and projects
3. Financial planning – Research scholarships and funding opportunities

What You Can Do in a Gap Year?: 1. Retake JEE (if needed) 2. Prepare strong applications for international universities

If you secure a good CS seat in India, that’s a great option. However, if you wish to explore global opportunities, a well-planned gap year can help you gain admission to top institutions like UCL. All the Best for your Prosperous Future.

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Radheshyam Zanwar |1172 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Feb 02, 2025

Question by Jayesh - Feb 01, 2025Hindi

Career

But sir I literally promised my parents when I took PCM in class 11th that I am taking PCM and I will promise that I will do B Tech only from IIT. Now what about my promise? I know all IITians are not successful but if I will not complete my promise my parents will lose faith in me. I am literally sad now what should I do please give me advice please suggest me way should I contact IIT's professor/chairman and should I ask him for repeating 10th or 12th with other name just for completing my parents promise is legal or not? Please understand my situation I am very depressed from so many months

Ans: Hi Jayesh, please ask your queries in the follow-up so that it would be possible for me to get the exact reference of the previous question and answer (reply)

Radheshyam Zanwar |1172 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Feb 02, 2025

Question by Jayesh - Feb 01, 2025Hindi

Career

Even IITs are playing with Student's career why they released press release regarding 3rd attempt for JEE advanced on 5th November and again on 18th November why JAB restored 2 attempts for JEE advanced Is it not illegal by changing rules after declaring official press release? Even NEET has unlimited attempts for AIIMS then why IITs are stopping us by adding limits on number of attempts? Atleast IITs should give 3rd attempt for this year because they promised us on 5th November by declaring press release

Ans: Hi Jayesh, please ask your queries in the follow-up so that it would be possible for me to get the exact reference of the previous question and answer (reply)

Dr Nagarajan Jsk |226 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Feb 02, 2025

Question by Pawan - Feb 02, 2025Hindi

Career

सर मेरी बेटी ने 10वीं की परीक्षा उत्तर pradesh से CBSC board से दी है क्याव्ह १२ वी की परीक्षा दिल्ली से दे sakti है और उसके बाद नीट की परीक्षा यूपी से दे या दिल्ली से

Ans: According to NEET UG2024, the following answers address your query:

Choice of Centre Cities will be limited to the State of Permanent Address or State of Present Address only.
For convenience, the candidates may select their own city or neighbouring cities in their State of Residence only and not for far away cities in other States. NTA will not be responsible for any inconvenience due to the incorrect selection of cities by the candidates.

Please note that the selection is NOT based on where your daughter completed her +2 education. It is strictly based on either the permanent address or the present address of the state (which may be determined by the Aadhar card) where you reside. Therefore, it is crucial to be very careful when filling out the application form.

BEST WISHES.

POOCHO. LIFE CHANGE KARO!

Dr Nagarajan Jsk |226 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Feb 02, 2025

Asked by Anonymous - Jan 31, 2025Hindi

Career

In cuet pg if we have selected for two test papers will we get different slots and different dates

Ans: According to the eligibility criteria of the universities where you plan to seek admission, you can choose up to four different test papers. The examination will be conducted in 2-3 shifts, with a duration of 90 minutes for each shift. Every candidate will have the opportunity to participate; thus, the NTA will organize the CUET without any controversies. You will receive more clarity during the application process.
ALL THE BEST.

POOCHO. LIFE CHANGE KARO!

Rajesh Kumar Singh |47 Answers |Ask -Follow

IIT-JEE, GATE Expert - Answered on Feb 01, 2025

Asked by Anonymous - Feb 01, 2025Hindi

Career

I am an HR recruiter with 18 years experience. Been unemployed for past 2 years as companies expect team lead, managerial experience, but I have worked as an individual contributor only. Still looking for a job and feel burnout/ depressed. I have read about prompt engineer roles. Can I take this course? I want to focus on non technical aspects of prompt engineer as I don't know anything about coding. Also my age is 47, will companies be willing to give me job in this field even if I get certified? Please help.

Ans: Try in startup. Changing profile at 47 not advisable

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