Success Story | Everyday is a Day to Restart Again

I  am : –  Kalpana, a Software Engineer, wife & mother of two, multitasking homemaker. My Expertise: Web Development of apps for Androids, iPhones, thin client, set top boxes, tabs. My passion: Computers Work to me is: a way of creatively working on technology.  Having worked for almost a decade, I wanted to take a sabbatical to look after my family and two beautiful kids.   How I used the time of break:  A career gap of 8 long years and every day was the day to get started. I connected with friends who inspired me and helped me to upgrade myself through skype. I did freelance projects and developed some confidence. I kept looking for projects and opportunities and volunteered in neighbourhood training centers too. My Motto: Never give up and keep moving. Even the smallest step taken is an effort towards the goal. Do not shut yourself up. And keep meeting people. Start networking. Not everyday will bring required results, but a result is guaranteed every day. HSI platform: Her Second Innings, helps capable women professionals /homemakers to find their calling in their second innings. Women looking to get back to their careers, or starting a career and needing advice to pursue alternate career to be financially independent have a community to help them through HSI. Assessment: Assessment programs were conducted by the team and the feedback was that there was a knowledge gap. This was a great breakthrough, as now I knew exactly where I was lagging […]

A Little Guide to Positivity

Image credit: Pixabay None of us have a fairy godmother, who would turn the world in our favor with the wave of her wand. You need to squeeze yourself out of all the tight spots that trap you, all alone. And when things go really down, you will always get vague bits of advice like “Be positive”. Wait. But how exactly do I be positive? Should I hope for the best? Or should I squint at my miserable condition to spot the good things? Well, you need to do both. And much more. Keeping fingers crossed- Hoping for the best forms a very basic step to positive thinking. All you have to do is frequently visualize yourself living the life you want to or any other goal you want to reach, and simultaneously make continuous efforts to achieve it. Simple enough? Not really. Here is something else you will require.  Cut down on worrying- Thinking about a bright future is not as easy as it sounds. If the process of success is taking too long, the human mind is bound to have negative thoughts or go into despair. It will make you ponder over all the negative possibilities that may come into being. It will also have discouraging thoughts like “Nothing’s going to change” or “I am stuck up with this forever” or “What if it gets even worse?” Did you see how the mind is gradually pulling you in the swamp of hopelessness? To get out of this, you’ll […]

Personal Finance Planning

Image Credit: Pixabay American author Hervey Allen once said “The only time you really live fully is from thirty to sixty. The youth – are slaves to dreams, the old – servants of regrets. Only the middle aged have all their five senses in the keeping of their wit” Well, we need all the wits we can to get through the phase. Unlike the 20’s, a responsibility doesn’t seem real until we hit the 30’s.  Marriage, kid /s, Home loan, Car loan and many other things suddenly feel like a big mountain that we have to cross and cannot have an escape route. Break up of goals: Short-Mid-Long – Financial planning is always goal oriented. This might sound a bit obvious that one must have short (less than five years), middle (7-10 years) and long term goals (20 years plus). But, it’s the most important step. For instance, as a short-term goal, you may need to plan for the kid’s primary school fees, which could be even as high as Rs 80,000 a year, Or more. Mid-terms goals could be a car (may be a second one), a family vacation abroad, kids’ higher education; long-term goals could mean buying a bigger house, and retirement needs. As a rule, 10 % of the post-tax income of those starting their career at around age 25 can be the starting point. Over time, as the income increases, up to 15 % can give you a good head start and a buffer. As you […]

How involved are you in your financial planning?

Financial Planning, Image of a clock and plants growing over coins

Image credit: Pixabay Have you read Sheryl Sandberg’s ‘Lean In’? In her book, the COO of Facebook, Sheryl, mentions that the division of chores at her household was traditional. Her (late) husband Dave Goldberg would handle the bills and the finances and Sheryl would take care of the kids’ activities, food and, the birthday parties etc. Dave was at that time the CEO of Survey Monkey and Sheryl is still the COO of Facebook. I for one was relieved to note that it was a traditional model they followed – he handled the bills and finance while she handled the other stuff. Because it reflected mine. And maybe, yours too? Unfortunately, in 2015, Dave suffered a fatal cardiac arrhythmia while he was running on a treadmill. For anyone, the sudden demise of a spouse is indeed an irreparable loss. Yet, anybody’s guess is that an educated and accomplished COO like Sheryl would have been able to ‘more than competently’ handle all decisions including financial ones, despite the sudden upheaval in her life. I wonder if I would be able to. How about you? Would you be able to handle the financial decisions that impact your life and those of your dependant’s ‘if’ life puts you in a spot where you need to? If you are reading this, you probably are well educated yourself, and maybe have had or still have a good job. Despite your education and career, do you make decisions on ‘where’ to invest and ‘how much’ to […]

Work Like A Woman

Work like a woman article. Image of two doves flying in the sky - there is no force more powerful than a woman determined to rise

Image Courtesy: freewallpapers.com How often is a woman irrespective of her age, caste or creed asked ” But you are a woman. How can you do this? Or “ Are you sure you can do this”?  Well, The answer to that question is “ Yes I am a woman, and that’s why I choose to do this”. It’s been far too long that women are still trying to break glass ceilings and are constantly answerable to the society at large. This question has not escaped the rich, famous, influential women too. Leave alone the underprivileged strata.   There are many roles that a woman essays as, a daughter, sister, wife, mother and she does so with much grace and élan. In fact, A woman is gifted with the art of multitasking and does a great job of balancing every aspect of her life. A day to day life demands physical, mental, and emotional strength to get through.  Yet, she often is made to crumble under the pressure of societal diktats. Unwritten rules that have no base or structure. It’s time to break the stereotypes of what career a woman should choose and what not. This seems to be the right time. A time to ignore and move away from anything and anyone that does not serve a higher purpose. And work towards realizing one’s own goals and dreams.   Women have shown their worth in what was thought to be  unconventional career choices. Be it cricket, Boxing or defending our […]

Are You a Financially Independent and Empowered Woman?

Image courtesy: Freegreatpicture, Flickr.com You are a financially independent woman, but are you empowered to take money decisions at home? Sheena is a marketing head at an MNC in Gurgaon. Her take-home salary is around Rs 1 lakh per month. She is well-settled with her husband and one son. She loves indulging in the latest fashion wear and shoes. On the 3rd of every month when her salary gets credited, she goes on a shopping spree. She is also responsible for day-to-day budget management of her home – how much to pay to the maids, milkman, and so forth. However, if you ask how much she saves or invests, she has no clue. Her answer is, “Oh, my husband takes care of this stuff.” Is she financially independent in the real sense? No, she isn’t. In most families, it is the man of the house who is entrusted with the responsibility of key money matters. There is no issue with the husband, father, son or brother taking charge of financial decisions. It is not about not trusting the man of the house. It is not about feminism either. The question is why women don’t take the financial matters into their hands? There could be plenty of reasons: It is deep-rooted in our minds that men should do all money management in the house. Women don’t have the confidence to take independent financial decisions. Women lack awareness about how savings and investments work. Women don’t want to bear the additional burden […]