This Insanity is Becoming India's Next Pandemic | Hindi | Your Everyday Guide

[@Sh-ze3hl]

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

[@YourEverydayGuide]

So True !

[@shabariprasad3490]

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

[@mehulpatel9579]

👍🏻🙏🏻

[@sharma728]

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]

Heart touching videos 😂😂😂😂😂❤

[@nishantmehta]

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]

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

[@nishantmehta]

@@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]

Loll true .

[@millionairemotivation6035]

I agree😂😅

[@train_xc]

Delusion is a bliss

[@jugaldeka5229]

Earning per month 85k, using 15000 motorola smartphone. Investing 30% in Stocks and MFs. No debt. Bought tata nexon on cash

[@aryanmishra6931]

Which model I have moto g34 8gb ram model I just want to know if you also have the same model and if you have same model then just tell me if it lags or not

[@jugaldeka5229]

@@aryanmishra6931 I have g73, no lag

[@jugaldeka5229]

@@aryanmishra6931 I have g73, no lag

[@jugaldeka5229]

@@aryanmishra6931 I have g73, no lag

[@jugaldeka5229]

@@aryanmishra6931 I have g73, no lag

[@whatkillido]

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

[@sata1207]

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]

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

[@ishu2204]

What about the administrative charges😅😂

[@user-ii4fw6jk1x]

​@sata1207 Germany?

[@anupamraj3922]

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

[@prathameshlotake1318]

Total waste of money, this is differnce between rich and middle class people, middle class and lower class always trying to look rich, rather than becoming rich

[@ankitgarg3271]

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]

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]

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

[@nmohesh]

@@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]

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]

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

[@mrs3188]

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]

I thinks it's CIBIL

[@mrs3188]

@@MayankAnuragi-d6f you're right. thanks

[@dundundun-cc6wi]

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]

yes!

[@NamelessAddy]

Dude, 1ST RULE!! 🤦

[@Lightyagami-tx2xb]

1st rule don't talk about this club.

[@joemamagae]

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

[@Bruce.waYne69]

bro you broke first rule of fight club

[@jeanbaptiste-d4y]

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

[@cruisecontrolonn]

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]

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

[@hakim5939]

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

[@rahulgamer4574]

Bhai Maine 10 din pehle hi 🙂 card kho diya

[@hakim5939]

@@rahulgamer4574 Shabash 👏👏👏

[@rahulgamer4574]

@@hakim5939 🥺😂

[@Christinayangismymommy]

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

[@RaJ_164]

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

[@suvojitnaskar]

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]

What business

[@suvojitnaskar]

@@mohammedkhalander3058 Digital Advertising Services

[@shantanukumar7174]

What business did you start in 1 lakh

[@Reyy619]

What business bro

[@ayyanghosh7066]

fek ne ka bro😂

[@_M_D_M_]

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]

👍

[@kanishkvv]

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]

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

[@TheSubhojitc]

@@kanishkvvyou are correct

[@HemantPatels]

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

[@tulabandu]

Earning 2.4L per month and using 25k phone with exchange offer since 2 years. Phone is phone not a fashion item. Use remaining money for kids future and plan to buy home

[@darky799]

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

[@atithiganguly1625]

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]

Real

[@rushikeshshardul8046]

Real

[@atithiganguly1625]

@@rushikeshshardul8046 thanks

[@atithiganguly1625]

@@sigmachadtrillioniare6372 thank you

[@X9___]

Riyal

[@rishavtulsyan9303]

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

[@hakim5939]

SBI Cards?

[@Slushy.o0]

Just buy banking financial ETF

[@shiv1933]

😂😂

[@soham8208]

😂😂correct

[@ShoyebAhmadKhan]

U r real businessmennnn😂

[@206_akbarisahil7]

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.

[@megapunchboy]

Well said senior Akbar

[@LivingLegend0005]

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

[@fncabc4854]

U r changing every 5 years am still using iPhone 6 😂😂😂

[@KuchBhiMehta]

Badiya video important topic 🙏🏼

[@RandomKun]

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.

[@HanumantaReddy-be4ou]

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]

Wow, thank you so much 🙏

[@aqsaali2670]

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

[@dhirajgawande007]

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

[@sam-oe7vk]

Loan lena Quran me galat hai kya?

[@asteryt5277]

​@@sam-oe7vkAbsolutely

[@aizen4851]

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

[@supersamosa7153]

Bhai phat mat jaio

[@999plays]

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

[@confused.cat.]

A truly rare breed indeed

[@ShivamKumar-bu7xz]

I can buy an iPhone pro model with solid cash but I'm happy with my ₹20k phone , and i choose to invest that money in mutual funds.😊

[@akky247]

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

[@neha_ji123]

Excellent ❤

[@PracheeKorday]

Asuri aanand ata hai aise karte hai tab...😂😂😂😂😂

[@Raizelen]

As an introvert i cant relate first 2 points

[@ashitroy2037]

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

[@ishikabisht7964]

same here

[@dhirajgawande007]

That phone is saxxyy

[@souradeum]

same bro

[@asteryt5277]

Based 🗿

[@kumaiyavlogs5020]

You haven’t grown since 5 years damn

[@anonymous-jm1iw]

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

[@monkeytech8582]

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.

[@shatakshipandey8014]

Been using 12k redmi phone since 2019, works well, because I kept it in a good condition. Still using it. Going to college with the same phone. Dekhte hain aur kitna saal chal jaata hai yeh phone.

[@yogiwasu]

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]

Tum vi Genji generation se ho na??

[@pritpaldhaliwal6509]

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

[@ibtehaljabeen01]

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]

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

[@rossmaxx]

Dude, my biggest dream is to be that guy who owns everything i use, with 0 debt. Full freedom. WEF can fck their ases. I'm 20 btw

[@ace3r982]

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]

Yes btw

[@RamBihade3]

Small cities are copying big cities now a days

[@js913]

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

[@shaumiljain5153]

@@RamBihade3 What's Copying ?

[@sarangsharma5346]

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

[@dipro001]

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]

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

[@dipro001]

@@pralayaryan school systems dont teach basic personal finance anywhere

[@thewresltinghighlightsshow2776]

​@@pralayaryanyou mean preying*

[@fantasycricketforum]

Preying not praying

[@alamin-ry9tk]

I q1

[@siddharthaanand332]

2:49 No Ankoor warikoo was harmed 😂😂😂

[@SubMarine1-ew2xo]

College mein, 2004 mein, ek Sony Ericsson khareeda thaa aur mere crush ne aake muje se baath karne lagi aur specifications puchne lagi😢 Aaj bhi yaad hein muje😊 Sony Ericsson so bohot purani yaadein judi huyen hein.

[@suryateja2k11]

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.

[@harshsparikh]

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]

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

[@samk6051]

Instant gratification

[@skttv4676]

Yeah

[@MindYourFunds]

2:53 no Ankur warikoo harmed😂

[@UjjwalPratapSingh45]

😂

[@prabirmodak8103]

😂

[@Anu-hs2ku]

😂😂 lol

[@vishal9264]

i was about to comment same thing 🤣🤣

[@uday3240]

😂 😂 😂 😂 😂 😂 Same I was also thinking

[@geetanshubhavsar5825]

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! ❤

[@ajayp4208]

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]

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.

[@ummesalmazimia]

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]

Aren't you working yet

[@vikashprasad1666]

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

[@avinashmoon9426]

Default karke? ​@@vikashprasad1666

[@verytuffcat]

do they not know why the credit card companies are calling them

[@007arnov]

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]

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

[@anonymous_2904]

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

[@soumyacareer]

😂😂SBI CARD back to its ipo price

[@dhirajgawande007]

I already brought mastercard and visa stocks last year😂

[@freefall_910]

I never understand why you need to. Buy an iPhone if you cant even pay in one go my simple rule of purchasing is If I can afford it double without loan I can actually afford it am trying to buid a pc of 1.50 lakh but I will build it when I have spare 3 lakh

[@vivektulja4516]

I am 63 years old. I have had credit cards for nearly 40 years but I never ran up credit card debts. I pay my credit card FULLY every month. That is a rule I have lived by.

[@praveensit29]

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!!

[@shubhamtamili1995]

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

[@nileshkadam6570]

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

[@faisalsheikh7846]

😂😂

[@gopalray8862]

Thik kaha 😂😂😂

[@chandruzone8514]

Already trageted

[@forinternetinternet4490]

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

[@nileshkadam6570]

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

[@bijoykalita1555]

mene bhi poco f1 2019 me 18k me liya tha 256/8gb.. best phone i hv ever buy in terms of reliability..mere ko lagta hain agar software update na karu aur 4-5saal nikal dega ye phone..bina update ke ye phone abtak buttersmooth chal rha hain..sirf storage ka issue rah gya baki sab 1st class..fully satisfied❤

[@shubhamnimbarde9616]

This is the best KZbin channel for any responsible person to subscribe . Love your videos.

[@mritunjaymanna5906]

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

[@atithiganguly1625]

Wonderful maturity

[@CheckMater007]

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

[@dittocto]

​@@CheckMater007 Using CC is kinda insanity.

[@snehanshuphukon728]

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

[@atithiganguly1625]

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

[@prattyushsaravgi1202]

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

[@thatrandomdude99]

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

[@sigmachadtrillioniare6372]

​@@thatrandomdude99buying such unnecessary goods is due to marketing

[@NidzShah-ps6kr]

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

[@Vnsotoly]

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

[@adityagauba630]

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

[@tusharghugarkar2253]

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

[@sudhanshumishra2618]

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

[@pritpaldhaliwal6509]

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

[@newacc3932]

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

[@FF_GAMING_]

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

[@Nsc99999]

चांगला विचार दिलास रे मित्रा

[@prrithwirajbarman8389]

​@@Nsc99999 no It's not.

[@surajsinha4162]

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.

[@AvishGarg12]

I own a doogee v max costed me 40k. Now everyone comes around and ask me "bhaiya ye phone kaunsa hai, ye to iphone se bhi unique hai". And I am like "Yes"

[@mem1001953]

I can afford a Rolls-Royce and beach villa home in Miami. No. Am satisfied with Honda city 2008 model. I do travel in India and overseas and is happy with OnePlus 18000 rs phone. I have 4 credit cards with limit of 32 lakhs. I prefer cash transactions. So far I have not used an ATM.

[@rahulgaadhe6234]

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

[@sigmachadtrillioniare6372]

Haa

[@FrostyTheOne_]

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

[@Anvaya24]

​@@FrostyTheOne_ Actually its an surname innMaharashtra Rahul Gaadhe

[@ankurkumar7835]

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

[@staromofficial]

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

[@tanmay4703]

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

[@souravsharma6776]

6-7 years still using f1

[@cargai7559]

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]

Because u guys couldn't afford other phone

[@amitabhmaheshwari]

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

[@josephzando]

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.

[@DissyWorld]

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😂😂😂

[@vedantwkr]

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]

What do you do for living?

[@csstudent-W8]

Seems like your city so poor😢😢😢😢

[@exe.lucifer3558]

You can't even afford 1 iPhone 😂😂😂

[@vishalsinghrana9440]

Motorola is love.

[@shubhamrawat1654]

Are iphones vary from city to city😮?

[@dwaparbhartari5453]

Khatarnaak Introduction Speech 👍👍👍

[@MeenaAnil]

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

[@triyadhishkumar]

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।

[@jayeshpatil1908]

Mere friends credit card k chapet me aa chuke h….pahle unke paas savings thi…abhi wo karje me 😔

[@vikramadityapriyadashi842]

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

[@samindian4987]

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. 😊😉

[@mritunjaymanna5906]

Strong content ranjan Bhai ❤ Aisa hi video chahiye 🥰

[@vijaysolanki6728]

I use to buy stuff on credit card emi in the beginning. Mostly No cost emi. As i learned about it i have only bought things that i can afford in full swipe and only where there's additional benefits like discount or cashback. But yeah i still buy my beer 🍺 using credit card😅.

[@shubhamrastogi8069]

My credit card limit is 50k and the max ive spent is 12k and usually i gets 5k bill average and that’s cos i use it to fill petrol, food restaurants and some small expenses. Never though of buying anything which is beyond my✌🏻 Aukat ✌🏻

[@abdulgaffoor178]

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

[@yatishbhavsar]

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

[@vedantwkr]

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 😂😂

[@jithumohan5572]

Spending more than 30k on a phone is seriously dumb. No one needs anything more than that. People are just brainwashed and think that they need expensive products. And iphone is way too common. Everyone has it.

[@Jaivardhan1327]

Same bro been using poco f1 armoured edition since 2018...still running and performing day to day tasks smoothly.

[@Sharktooth24]

Kon kon 10 hazar ke phone me dekh raha hai?

[@iamnotyourbrah]

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

[@shinchan.1998]

Mera to 30k phone hya hard cash se kharida huya

[@no_mercy4183]

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

[@akbarkhan-nq3xl]

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

[@Ninetieschillout]

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

[@kamalkhan8764]

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

[@Ankit-vg5if]

kis kis ke pass credit card nahi hain 😆😆

[@knittingworld9641]

Card hai pr ese faltu ke khrche nhi kr skte 😊

[@Rathodsanjay...896]

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

[@rajkumarkalam194]

Mere pass nahi hai...

[@RAHULBHARGAV-]

Mere pass

[@biplabmahato6085]

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

[@antoniistark16]

And because of them, the iPhone lost most of its exclusivity. It's not the same as it was 6-8 years ago. When we used to see an IPhone then, it meant that they were actually rich. They had watches, shoes, clothes, cars, and house matching their phones. Nowadays, chapri who travels in the local train, carries an IPhone.

[@sathipramanik9592]

I'm watching your video for the first time. And i like the way you composed your video. Thanks for making people aware of this topic

[@SD_IAmWhatIAm]

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

[@rajchakraborty1926]

জয়বাংলা ❤

[@nocturnalrider1855]

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]

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.

[@vsapre80]

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.

[@BruceWayne-vz8rq]

Excellent opening story, i really liked the way you explained it in simple language

[@vignesh0208]

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

[@PV9O]

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..

[@vinodvgamer29]

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

[@meetthakor28]

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

[@Kingofworld8]

Same here. I was using a Poco F1 since 2019. This year, I bought a Samsung S23 during a sale. Using a friend's GST number, it cost me around 35k. It is far better than the iPhone 13 and 14 models. However, due to brand recognition, the students around me are buying iPhones even though they are outdated.

[@krunalgode3391]

My simple logic is Phone ho ya Bike . Khareedo tabhi jab ek baar main 2 le sako nagad Cash main. Ab uske liye 2 Mahine save karna pade ya 2 saal. Manzoor hai.

[@DejaVuKarge]

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

[@evenfaisal]

Same

[@subhojitchatterjee2548]

Sir the amount of honesty hats off 🫡

[@shruti7789]

Truly said..totally agree with you 👍🏻

[@AmanKhan-sq5hx]

I recently joined Indian railways and have a decent monthly salary. So everyone including the bank told me about credit card but nobody can explain it to me , to my satisfaction. So I skipped it till now. But as my hunger for financial knowledge grew I came to know from various financial influencers that credit card can help you in so many ways other than buying iPhone. But I still don't understand it completely. Suppose I want to buy , say a tv which I can easily buy using emis bcuz I can easily pay monthly emis without a miss due to my regular monthly salary. Also I don't want to pay full in cash as it will take a significant amount of my salary. So 1. If the emi of the tv is 1/4 of my credit cards limits 30%. But the price of tv is more than 30% of my credit card. Will it affect my credit score if I buy it using emi. 2. Or It will have no change , as the amount I have to pay monthly is less than 30% of credit limit. Does that emi comes under 30% or whole price comes under 30%. This is the part I don't get.

[@rooftopmunda]

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)