Small Financial Planning

Savings is that treasure which helps everyone in the time of need. Well, in my terms, savings is not for buying big things it's all about fulfilling the needs at the time of crisis. It has a great importance in your financial life which maintains the emotions too. I am not a big financial advisor or some kind of broker who tells you how to save your money and where you can invest your money. It's all my personal financial plannings which I am sharing with you.

Open a recurring account: As we all have some policies which need to be paid on certain date or month. At that time it is difficult to arrange that figured money so to minimize this situation you can open a recurring deposit. Recurring deposit is like saving a small amount of money every month for certain period of time. This time can be 1 year or 2 and so on. I have few LICs whose premium falls in March, April, and November. To minimize the pressure of March and April as you all know about these months, I opened two RDs of 600/- with an interest rate of 6.25% and I have already set the Maturity date in March and April respectively. Through this small planning, I helped my husband and we both never feel overburdened in these months.

Involve children in saving: Children are great observer so to realize them the value of saving by involving them in savings. I have opened a PPF account of my son for his future. I can deposit the money via online but sometimes I take him personally to the bank and ask him to stand in the queue and fill in the slip and deposit the money. And, this money comes from his pocket money. I used to motivate him to save from his pocket money so that we can deposit it in the bank. Initially, he collected 500/- and we both went to the SBI bank to deposit this small amount. This small amount motivated him to save more so that he will get more interest.

National Saving Certificate: I know this is quite old but the thing is I feel secure and safe. I need not to worried about the market and all. I use to do 3000/- NSC every year and the maturity of this NSC is 6 years. This every year plan will make a chain of getting money 3k+ every year, once it completes the six years.

What About Old Age?

Pension Plans: There are many pension plans in the market but I have opted Pradhan Mantri Atal Pension Yojna. In this every month I need to pay 990/- and I will pay this till the age of 60 and after that, I will get the pension of 5000/- per month from the government. Through this plan, I am not too much dependent on my child.

I am writing a series of challenges which is of my own choice to write. I have a team of fellow bloggers who are also writing with me at the same time as a teamwork. I would love to introduce my team members. The name of our team is #CROSSBORDERSISTERS You can reach them on their blog and any of their social media account

1: Aditi:  Blog| Facebook | Twitter | Instagram
2: Manisha: Blog| Facebook | Twitter | Instagram
3: Dr. Priyanka: Blog| Facebook | Twitter | Instagram
4: Anagha: Blog| Facebook | Twitter | Instagram

"This post is published for #OpenNTalk Blogger's League hosted by Dipika Singh of Gleefulblogger and

Ruchie Verma - Wigglingpen in association with SummerBarn, Vedantika Herbals, Nyassa, Explore Kids World."

Killing Humanity

Growing technology and development leads us to less humanity and sympathy. People are less social and never bothering kind of nature they have adopted. These days I am in Rajasthan, while traveling to Rajasthan I was observing people and their activities, like what they are doing?, what kind of behavior they have? How they are interacting people? through these questions I was analyzing  the Humanity? Through some observations I am going to prove how we are killing humanity?

Dealing with animals: In this world there are only few percentage of people who take care of animals or have realization the importance of animals on this Earth. Street dogs, seems they are nothing or they don't have any existence, if it comes to you for any reason the people tends to droll it. I have seen some people gave bread or any eatables but most of them said " Hooosh, Haattt". We people work for bread but these street dogs take care of our house only for the reason we give some eatables.

Dealing With Poor People: A wage earner person also have no value. Rich people tends to treat them like nothing because these  people has no money that means they have no value in the society. Is it a right criteria to judge people? A sweeper use to collect garbage from each house and we people treat him UNTOUCHABLE community. I have so many people tends to wash their main gate with water because sweeper has opened it with his hands. Look where are we going? if sweepers get vanished from the society, imagine the situation and then automatically people will realize the importance of sweepers or any other low wage earners.

Low human values: There was a news of open murder in Delhi, a thief was snatching a boy's wallet and that boy opposed and tried to stop that snatching but eventually that thief brutally killed the boy with his sharp knife. You all will shocked to know that wallet has only 50/-.

These were very few examples that shows how human beings are killing their humanity and develop the cruelness among their behavior. Technology are developing our mind and try to make our mind more active but on other hand our mind getting cruel and inhuman.



I am writing a series of challenges which is of my own choice to write. I have a team of fellow bloggers who are also writing with me at the same time as a teamwork. I would love to introduce my team members. The name of our team is #CROSSBORDERSISTERS You can reach them on their blog and any of their social media account

1: Aditi:  Blog| Facebook | Twitter | Instagram
2: Manisha: Blog| Facebook | Twitter | Instagram
3: Dr. Priyanka: Blog| Facebook | Twitter | Instagram
4: Anagha: Blog| Facebook | Twitter | Instagram

"This post is published for #OpenNTalk Blogger's League hosted by Dipika Singh of Gleefulblogger and

Ruchie Verma - Wigglingpen in association with SummerBarn, Vedantika Herbals, Nyassa, Explore Kids World."

Anti Acne Mask : Vedantika Herbals

Vedantika Herbals is a brand which provides true natural products without any harmful chemicals, colors or flavors for a conscious healthy living. This brand came into limelight when researchers, scientists, and food technologists decided to launch innovative products with the highest level of purity without using any chemical preservatives, synthetic colors, and fragrance. 

Out of the huge collection of natural skin care products, I am reviewing Vedantika's Anti Acne Mask which is a unique blend of herbs. This product claims that it helps in controlling Acne and makes Face clear, refreshed and blemish free.

Ayurvedic - Anti Acne Mask

Product Description: This product comes in a plastic bottle with an airtight lid and a screw cap. The quality of the plastic bottle is good enough to secure the content. The content is in the powder form which is of light yellow color. It has a little sharp fragrance. The powder is quite fine and can easily turn into a paste. As you can see in the image this is of 70grams which will cost you for 250/-. The life of this product is 14 months after the date of manufacture. It should be kept at room temperature and don't forget to tightly close the lid.

Application and Use: As recommended, Take 1 teaspoon powder. Add rose water to make a paste. Apply on Face and neck. Let it dry for few minutes then wash off with water. 

Vedantika Herbals Anti Acne Mask is an excellent nourishing mask for acne-prone skin. It not only controls the excess oil but also remove the dirt &  dead cells. The mask lightens and fades out the blemishes, pimples scars and mark to give a clear and flawless complexion. Regular use of the anti-acne mask prevents skin breakouts and leaves a soft, fair and glowing skin. 

My Experience: Before using it, my oily skin always invites pimples and then scars. Initially, I used it three times in a week then slow down to two. This product not only controls my excess oil but also prevent more pimples. Its antibacterial and antiseptic properties deep clean my skin. It lightens the dark spots on my skin. This product works quite well on my skin and I never faced any kind of irritation or itching. It has taken care of my skin gently and gave a soft & glowing skin. 

Rating: 4.5 out of 5 

Pros & Cons: Quite Effective, Perfect as product claims, No side effect, No artificial fragrance But little costly.

I am writing a series of challenges which is of my own choice to write. I have a team of fellow bloggers who are also writing with me at the same time as a teamwork. I would love to introduce my team members. The name of our team is #CROSSBORDERSISTERS You can reach them on their blog and any of their social media account

1: Aditi:  Blog| Facebook | Twitter | Instagram
2: Manisha: Blog| Facebook | Twitter | Instagram
3: Dr. Priyanka: Blog| Facebook | Twitter | Instagram
4: Anagha: Blog| Facebook | Twitter | Instagram

"This post is published for #OpenNTalk Blogger's League hosted by Dipika Singh of Gleefulblogger and

Ruchie Verma - Wigglingpen in association with SummerBarn, Vedantika Herbals, Nyassa, Explore Kids World."

7 Days Challenge #OpenNtalk

Are you satisfied with your body structure? I know most of the people were not, even I am not. I always want to keep my body in shape but hardly stick to the rules. So I thought of this idea to create small challenges and these challenges are only for short period. And I am sure I will stick to it and will get some results. As I am gaining weight day by day and feeling very uneasy.

Here I am listing some of my symptoms which shows that my body needs a proper attention.

♥ Gaining weight
♥ Eating more without any hunger
♥ Shoulder pain
♥ Increasing arm fat
♥ Feet pain
♥  Increased intake of tea
♥ Always in stress without any reason
♥ Uncomfortable while I go to bed.

So here is a big list of my body problem but now instead of making a big list of things I distributed all of them in small parts. This is my first week and I have challenged myself to walk for 20 mins daily in the morning as well as in the evening. I have opted walking is because walking is the easy one and can be done easily too. There are many benefits of walking which helps me to heal in a natural way without eating any medicine.

Benefits of walking

Walking is the only exercise which impacts your whole body not only this it also benefits your future health too. Only thing is to be regular to walking. Given below are some benefits of Walking

🚶 Walking directly improves your sleep and mood
🚶 It improves your joints.
🚶 Increases your metabolism
🚶 It also strengthens your muscles
🚶 It reduces heart strokes
🚶 It improves blood circulation.

Keeping these benefits in mind I started my journey to improve my body with #7DaysChallenge. I will stick to it and let you know the improvement in my next blog post which is also a challenge for my improvement without the medicine without a doctor.

I am writing a series of challenges which is of my own choice to write. I have a team of fellow bloggers who are also writing with me at the same time as a teamwork. I would love to introduce my team members. The name of our team is #CROSSBORDERSISTERS You can reach them on their blog and any of their social media account

1: Aditi:  Blog| Facebook | Twitter | Instagram
2: Manisha: Blog| Facebook | Twitter | Instagram
3: Dr. Priyanka: Blog| Facebook | Twitter | Instagram
4: Anagha: Blog| Facebook | Twitter | Instagram

"This post is published for #OpenNTalk Blogger's League hosted by Dipika Singh of Gleefulblogger and
Ruchie Verma - Wigglingpen in association with SummerBarn, Vedantika Herbals, Nyassa, Explore Kids World."

First Week Entries of my #CrossBorderSisters 1 Anagha 2 Aditi 3 Manisha 4 Priyanka

With Love

Bhawna