Personal Finance Blog By Jay Sharma

25/08/2023

What is required for Financial Freedom - a Larger Income or a Larger Savings Rate.

Short answer - You can achieve financial freedom on any income with a high savings rate, and no amount of income will help if your savings rate is too low.

In today’s world, the allure of a bigger salary often dominates conversations around personal wealth and financial independence. After all, who wouldn’t want a few extra zeroes in their monthly income? However, as many financially savvy individuals will attest, there’s another side to the coin...

09/08/2023

Hey there, fellow financial adventurers! 🚀💰

Have you ever thought about withdrawing from mutual funds? 🤔 Well, I've got some insightful tips and strategies to share with you in my latest article.

Let's dive into the world of smart investing and learn how to make the best decisions for your financial future. 🌟 Check it out here: https://www.onemoremillion.com/withdraw-from-mutual-funds/

Feel free to share your thoughts and questions—I'm here to help! 💬📚

Mutual funds have found a comfortable home in the portfolios of many Indian investors, thanks to the easy entry through Systematic Investment Plans (SIPs). Yet, while entry is important, a strategic exit is where the real game is played. Several of my readers have asked this question – When should...

09/06/2023

Attention bloggers and content creators! Need a traffic boost for your blog? Look no further. This comprehensive guide outlines 7 powerful steps to generate a lot of traffic and maximize your blog's exposure. Get ready to take your blog to new heights! 🚀

https://www.onemoremillion.com/7-step-guide-to-generate-a-lot-of-traffic-for-your-blog/

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Learn the proven strategies to generate a lot of traffic for your blog with our comprehensive 7-step guide. From SEO optimization to social media mastery, discover the secrets to increasing readership, engagement, and revenue. Take your blog to new heights and unleash the power of traffic generation...

09/06/2023

My worst financial mistakes were
1. buying a BMW 528xDrive
2. Spending too much on eating out

Improving on these mistakes saved me $19.5K/year. What was your worst financial mistake?
https://onemoremillion.com/my-worst-financial-mistake-and-how-i-recovered/

Embark on a riveting journey as I share my worst financial mistake and how I turned things around. Learn valuable insights from my transition from a luxury lifestyle to a frugal one, and how it paved the way for my financial freedom.

09/06/2023

🚀💰 Are you ready to take control of your financial future? Embarking on a journey toward financial freedom may seem daunting, but with the right steps, it's more achievable than you think!

Here's a 5-step guide to help you on your way:

1️⃣ Know Your Cashflows: Understand your income and expenses. Visibility into your cash flow is the first step toward financial freedom.

2️⃣ Get Rid of Bad Debt: Nothing slows down your financial freedom journey like debt. Understand the difference between good and bad debt, and focus on eliminating the bad ones.

3️⃣ Pay Yourself First: Start saving early, save regularly, and invest right. Try to save as much as possible, start with 10% every month and increase it to 50% or more.

4️⃣ Create Passive Income Streams: Real freedom comes when your money works for you. Start setting up passive income streams today.

5️⃣ Rinse & Repeat: Keep repeating these steps until you reach your financial freedom goals. The journey might be long, but the destination is worth it.

For a more detailed guide, check out this fantastic article on One More Million: https://www.onemoremillion.com/start-here/

Subscribe to my newsletter for more tips https://upbeat-author-6552.ck.page/55c88d313f

Remember, financial freedom isn't a dream, it's a journey. And every journey begins with a single step. Let's take that step together today! 💪🌟

08/06/2023

Learn about 7 terrible mistakes on your journey to becoming debt free. Join the conversation on Twitter. https://lnkd.in/g6e3iaaH

07/06/2023

Unlock your potential with Financial Intelligence! 💡🔐 It's about so much more than making money; it's about understanding how money works. 💰🔄 It's about learning how to budget, invest, save, and spend wisely! 📚🎓

Ever wondered why some people seem to effortlessly grow their wealth while others struggle? It's not luck or magic; it's Financial Intelligence! 🎩🐰💫

Mastering your finances requires a mindset of growth, discipline, and resilience. 💪🌱 It's about constantly learning, adapting, and taking calculated risks. 📈⚖️

Empower yourself today and start your journey to Financial Intelligence. Remember, the best investment you can make is in yourself! 🌟💼💎

Get ready to take control of your financial future today! 💥🚀 Follow us on Twitter (https://twitter.com/onemoremillion) for more tips

Jay Sharma, guiding you toward Financial Freedom with OneMoreMillion. Passionate about Personal Finance, Early Retirement & Passive Income.

04/06/2023

"💡 Ever heard of 'compounding' in finance? It's time to unlock its power! 🔐 Dive into our latest blog post on OneMoreMillion where we uncover the magic of compounding. 💫💰 Understand how it can turbocharge your savings and investments, speeding up your journey toward financial freedom! 🚀 It's not just about saving, but growing your money wisely over time. 🌳📈 Dive in now and let's grow together! www.onemoremillion.com/power-of-compounding/ 🎯 "

Discover the power of compounding and the time value of money in our latest article, 'When Should You Start Saving For Retirement?' Learn why starting early is key to securing a comfortable future, how much you might need, and that it's never too late to begin. Invest in your future today.

01/06/2023

Embrace the journey towards financial independence and retiring early (FIRE) because it's not just about counting pennies, it's about discovering the value of what truly matters in life. Be intentional with your money. Save more, invest wisely, and let your wealth grow. Remember, it's not the size of your salary that makes you rich, it's your spending habits.

The road to FIRE may be long, but the destination is worth every sacrifice. The beauty of financial independence is the freedom to spend your time as you wish, the power to make choices without monetary constraints, and the peace of mind that comes from knowing you're prepared for anything. So, start today, because your future self will thank you.

31/05/2023

🚀 Curious about what it takes to become an exceptional Product Manager?

💼 Dive into our newest article: "How to Become a Great Product Manager." This comprehensive guide, crafted by an industry veteran, covers everything from roles and competencies to the secret traits that separate good PMs from GREAT ones!

👉 Click on the link below to read now.

💡 At OneMoreMillion, we're passionate about empowering you with the knowledge and skills needed to excel in business. Our content covers entrepreneurship, finance, leadership, and much more.

🌟 Whether you're just starting out or you're a seasoned pro, we've got something for you!

📲 Follow us and join the OneMoreMillion community today. Let's take your career to the next level together!



https://www.onemoremillion.com/how-to-become-a-great-product-manager/

31/05/2023

👋 Hey there, awesome OneMoreMillion community!

How's your Wednesday shaping up? As we all power through the week, let's take a breather and have a quick chat about our financial journeys. You know what? It doesn't have to be as complicated as solving a Rubik's cube! 🧩

Think about it – no one expects us to become financial wizards overnight, right? Every step you take, every term you learn, and every dollar you save is a big win! And trust me, with the right guidance, resources, and your fiery determination, we can crack this financial code together. 💪🎓

And always remember this – every expert started out as a beginner. I was once in your shoes, so trust me when I say this: You've got this!

Stay tuned right here on OneMoreMillion for more of my personal insights, tips, and relatable content to help you turn that financial mountain into a walk in the park. 🌳

Here's to us, on our way to becoming the bosses of our financial future! Cheers to our journey to financial independence and security! 🥂🚀💰

30/05/2023

📢Hello, fantastic community!👋 Just wanted to share that I'm now just a message away. I'm pleased to announce that you can now reach me directly via WhatsApp! 📱 Feel free to share your queries, thoughts, or topic suggestions for upcoming blog posts. Your input is invaluable!🌟 Let's keep the conversations going, and together, we'll continue our journeys towards financial literacy and independence.🚀

Please respect the communication norms and avoid spamming. Let's keep this space constructive and beneficial for all.😊

30/05/2023

👋Hey there wonderful community!🌍 I'm brainstorming some fresh ideas for upcoming blog posts and would love to hear from you. 📝 What financial topics are you most interested in? Or do you have specific questions that you'd like me to delve into? 💡 Your input is highly valued! Please share your thoughts in the comments below. 👇

Let's co-create the content that best serves your financial journey! 🚀

30/05/2023

💥New Blog Post Alert!💥 Excited to share my personal odyssey towards financial independence and early retirement. Navigate with me through life's unexpected detours, the joy of hitting my FI number, and my plans for the future. 🚀💰 Be inspired and start your journey today!

Read more here: 👉 https://www.onemoremillion.com/financial-freedom-journey-reset/

Charting the Course: The Spark of Financial Literacy A few years back, as I embarked on my financial freedom and retire early (FIRE) journey, I recognized a critical financial literacy gap in our education system. While traditional education laid a robust foundation for professional growth and the i...

30/05/2023

🔥Hot off the press! Ever wondered how long it might take for your investment to double? Well, wonder no more. Introducing the "Rule of 72" - a straightforward way to estimate just that!💡 Dive into our latest blog post to understand this simple yet potent tool with practical examples. Ignite your journey toward financial literacy today!🚀

Check it out here: 👉 [https://www.onemoremillion.com/rule-of-72-demystified/](https://www.onemoremillion.com/rule-of-72-demystified/)

14/07/2020

Do you want to retire early and rich? You only need two rules:
1. Earn More
2. Spend less

22/02/2020

Do you want to save over $600 a month on groceries? Learn how https://www.onemoremillion.com/save-money-on-grocery/

Buying food a family can get expensive and bust your budget. Learns tips to save money on groceries and household items every month.

18/02/2020

Looking to start a Blog in 2020? Here is an updated guide to do it the right way and make money https://www.onemoremillion.com/step-by-step-guide-start-profitable-blog/

Blogging isn't for everyone but if you do it right you can make a lot of money. Learn how to start a blog and make money in 7 easy steps.

14/02/2020

Want to Retire Early. Check out my plan to retire by 50 https://www.onemoremillion.com/retire-by-50/

retire by 50 or early retirement is doable by building a plan and following the plan religiously. See how Jay and April have been marching on their FIRE journey.

14/02/2020

Read my latest post about how to calculate your retirement corpus.

Is 5 crores enough to retire in India?How much money do I need to retire in India is an important question? Get our online retirement calculator.

14/02/2020

Wondering how much money you need to retire. Not anymore. I have created a simple to use online retirement calculator https://www.onemoremillion.com/money-need-to-retire-in-india/

Is 5 crores enough to retire in India?How much money do I need to retire in India is an important question? Get our online retirement calculator.

08/02/2020

Announcement: We have officially changed our name from RFF (Refinfree) to OneMoreMillion. the old website https://www.refinfree.com now redirects to https:/www.onemoremillion.com.

07/02/2020

Need more money start a great side hustle today.

Need best side hustle ideas. I share 31 great side hustle ideas that make good money and some of them are really easy way to make side income.

04/02/2020

Passive Income is the Key to Financial Freedom. Learn more about Passive Income and tips to start making money while sleeping https://www.onemoremillion.com/passive-income-streams/

Passive Income Stream is a must-have to Financial Independence. Learn what is passive income and how you can start making money while you sleep.

30/01/2020

Learn How to Track Multiple Authors in WordPress. A must have if you run a multi-author blog https://www.onemoremillion.com/setup-author-tracking-in-google-analytics/

Author tracking is a must for multi-author blogs. Learn how to enable author tracking in wordpress using my easy to follow step-by-step guide.

29/01/2020

Have you wondered about your best financial decisions? Here is the list of my 7 best financial decisions https://www.onemoremillion.com/7-best-financial-decisions/

What are your best financial decisions? I made some great financial decisions in my 20s and 30s. Learn about my great money decisions.

15/01/2020

15/01/2020

Want early retirement? Setup Passive Income Streams Now...!!! https://www.refinfree.com/passive-income-ideas-2020/

Making money while you sleep is everyone's dream. I give you 5 proven passive income ideas. This ideas have made many people rich and it's your turn now.

13/01/2020

Writing killer high-quality authentic content is key for success. Learn how https://www.refinfree.com/how-to-write-great-content-that-readers-will-love/

Starting and Growing a blog is like raising a child. If you are a parent you know how much time, effort and commitment it requires to raise a child. Similarly, growing a blog requires your time and attention to nurture to write great content that will engage the readers. You will need to write blog....