Essential Monthly Expenses: Fill & Download for Free

alcohol; I drink about two bottles of wine and a bottle of whisky a month, so cutting that out would save me about 60 dollars.unnecessary driving; those are weekend drives we sometimes take, with my old American cars. Not doing that any longer could save us about 100 dollars a month.non-essential object purchases (who “needs” deco stuff anyway). On our weekend drives, we always stop at garage sales and buy nick nacks. Probably about forty dollars worth every month.My examples are probably unusual, but it’s all I can think of. We already are very rational in our purchases, and don’t spend anything on the kind of stuff most people do, like snacks, soccer games, restaurants, pizza delivery, cigarettes, movies, lottery tickets, or the likes.We are complete home zombies.

I get paid around 1.3L a month (after tax income). Owing to WFH, most of my salary goes into savings in the form of recurring deposit, fixed deposits, ULPP and around 10% is invested in RSU.My monthly expenses vary a lot, from full months salary (because I bought a gaming laptop) to under 30k, because money was only spent on essentials and some amazon orders.Yes financially, I am not worried, although buying an apartment in Tier 1 city is still a point of contention because of high prices. I have yet to purchase anything on EMI, so that probably would be the first.

My wife and I, both are earning. We are in our early 30’s living in one of the metro city.Our monthly salary in-hand is around ₹1,30,000 after EPF, gratuity, taxes etc.After the basic needs of Roti (Food), Kapda (Clothing and essentials) and Makaan (Shelter) we have started saving recently.I transfer ₹12,000 to my parents account since they are at hometown, it is for their monthly expenses.₹12,000 I keep for our expenses (my daughter, wife and me)₹48,000 goes to home loan (In Hometown, where my parents live)₹12,000 goes for house rent we are living in.₹6,000 for my Daughter's education expense. (Infinite ROI for her in future)₹5,000 goes for building my stock portfolio. I like to analyze stocks and invest in it. So far I am quite successful. My portfolio sustained through demonetization, and current downtrend (15% ROI)₹5,000 goes to Mutual funds (12% ROI)₹1,000 goes to PPF and Sukanya Samriddhi Yojna each (ROI - 8%)₹1,500 goes to FD contribution. Which makes an FD of ₹5,000 every quarter for 1 year. Next year this amount will be reinvested in RD. It is for having flexibility (ROI - 6 to 7%)₹1,500 goes into Recurring Deposit. (ROI - 6 to 7%)₹2,000 goes in saving account for buying gold. We buy some gold every year with this money. Can't help it, being an Indian we have this fascination towards gold :)₹5,000 monthly in savings account for yearly vacations fund. (Invaluable ROI)₹5,000 for Clothing, entertainment, fun.₹5,000 goes for contingency fund, till I collect money equivalent to 3 months expenses.₹2,000 for parents mediclaim. My company provides mediclaim for wife, daughter and me.Don't have any term insurance currently, I am planning to buy one.PS : If anyone have suggestions for doing it any better, please reach out.