Year 2006 : The year of the Serial Blasts

I hold a new surname, a new residence address, a new email and a newer email signature. From being 'Sayli S. Mahajan' I am now 'Sayli A. Yadav' ! Well, like any new bride, these were some of the most simplistic things, I had to get accustomed to. The more complicated ones, as they did in each bride's case, unfolded, as I spent time with my new found family and more often than not, willingly integrated them in my lifestyle. So effortlessly, that when I visited my parents for the first time post marriage, my mother said - "Everything from the nails of your toes to the strand of your hair is a changed Sayli!" And I had'nt even realised that the transformation was so swift. As a mother she could only stand back, admire and take pride in the new version of her daughter - as flamboyant as ever, less of a rebel and god-willingly, a little domesticated - Just the right balance of salt n sugar in a glass of lemonade!

As I observed the run up to the marriage on both the sides, my very neutral lense, couldn’t ever overlook one fact - it does not matter if you have a son or a daughter. The truth is, if you are born in an Indian middle-class family, chances are that the parents will slowly start to plan for their children's marriage as much as they did for paying up for their education. While the mode of funding the gold purchases was selling stocks for my parents, for my in-laws it was in exchange of the bits they accumulated on each 'Gurupushyamrut' / the three and a half auspicious mahurats of (Gudi Padwa, Akshaya Tritiya, Dassera, Dhanteras).

Throughout our courtship and the year that followed, one thing was very evident - Abhi and Me took a liking to great clothes, exotic food, dignifying simplest of days, wining n dining and basically spending our way to credit card bills through the tons of shopping n pub-hopping we did. We never really discussed money or finances. Until one day, we had an ugly discovery over our financial priorities being dramatically misplaced in each others views - Abhi wanting to buy a brand new car and me wanting to invest in a house! My shock only amplified, when he mentioned he intended on buying a new 'Honda City' as his first ever car ! We had obviously discussed his fondness and dreams of owning one, while we courted. But I had never imagined it to be our first big purchase in the initial year of marriage.

The tussle was fairly evident to the extent that my mother-in-law had to get involved. My father played it down and made it all seem so trivial stating - it's not as if you're staying on rent, neither as if you have no roof on your heads, so buying a house could wait. He went onto say, that for any normal man Abhi's age, owing a car is a very identifiable dream! At this point I thought to myself - why should his words come as a surprise, after all, here is man who himself had changed 5 cars in a span of less than one and a half decade! Also, one of the reasons I had fallen in love with Abhi, also had a lot to do with the fact that my Dad took a liking to him first and I would never doubt his choice of what "goodness" meant! So it wasn’t any surprise that I took his word for it and was more than happy to contribute my minuscule bit towards our first big buy !

So here we were in the middle of 2006, looking at our sparkling new 'liability' and making future plans of building a new 'asset' !

Life is not all Black and White. The beauty of 'Life' lies in making sense of the Grey's in the background 😉! 

A picture taken with our Silver Honda City - at the onset of Abhi's Birthday in 2007 outside the SOHO Toscana Lounge in Kalyaninagar...

Year 2005 : Smitten forever…!

It had almost been, a year being away from home and I had already made yet another painful transition from Secunderabad to Chennai, leaving behind a girl gang I had come to love in a matter of days of staying together. It was heart wrenching, settling farther away from home, paying for every single thing from drinking water to laundry ! But I soon started to find solace in a place where I never had to bathe with 'Hot' water, where I would wake up and go for a jog by the beach, return to do an intense ab workout, put on the Gayatri Mantra as I got ready for work, devotedly light up an essence stick and a diya to do my daily pooja as I soaked in the power of the hyms and was all recharged to take on the day in my stride !

I had come to love myself, to love the city and to B.L.A.Z.I.N.G.L.Y love my routine, which I thought, was the most balanced life I've ever lived ! I remember telling my mother, that I wouldn’t mind marrying a south Indian and settling down to retire by the beach side in Chennai.  She said it's not going to be long before you start to feel home sick - and like always, she was right !

Just as quickly as I had fallen in love with my new found freedom, it was time to un-settle myself, with the thought of getting married and it being arranged, just meant I was flying back home sooner ! I was leaving behind memories of half a year, of being surrounded by peers - almost all of the seniors in the integration practise had returned/were being posted abroad for long/short term stints working with onsite clients. Which also meant, I was surrounded by at least a dozen folks who were sitting on high net worth's just 2.5 or 3 years into their careers..!

I've never been happy being dumbfounded while others carried on with intellectual conversations. And when men make money, they talk a lot about where to put their pennies. If not participate/contribute to those conversations, I had to at the least, comprehend the jargon around stock market investing and the likes ! This was the anniversary year of me being a tax-paying citizen of my country. Introducing myself to investments was relatively easy - I just familiarised myself with the tax declaration form and had a long hard look at section 80C. I then started to research each instrument in my free time from PPF/VPF, NSC, ULIP, ELSS, Endowment plans to even Home Loans. A lot of websites came to my rescue - from moneycontrol to valueresearch, from personalfinance to msn money. My leisure reading on weekends was dedicated to picking up and reading magazines like Outlook Money (apart from the ones on GoodHomes and Good Housekeeping).

Working in Tidel park in Chennai, made it easier to gain access to a broker - Centrum Finance was located on  the 1st floor of the same building where I worked for a while. These guys were the first ones to help me with investing in tax savings mutual funds -a.k.a ELSS.

There were three close friends who critiqued my investing decisions at that point in time:

Seema : She believed that buying NSCs from a Chennai post office was a bad idea, since I may not be in Chennai when it matures - I was never going to return to the Teynampet Post Office to redeem the investment six years on.

Krunal : Who felt insurance and investment should be separate and I should instead, start to build up a decent equity portfolio. 

Santosh : Who felt a ULIP investment was expensive when compared with the total contribution vs. the administrative charges and future returns.

I have a lot to thank them for, for contributing to those views! But like always, I went ahead with my gut. 

It truly proved to be one landmark year mixed with lessons in investing to experiences of being Smitten - by someone Tall, Dark and Handsome. Literally my knight in shining armor, the one I had pictured in my mind as a young school girl, a gentleman who charmed me with his quiet demeanor, who sat in my room as a stranger and said "its ok if you can't think of anything to share, you can call me if you wish to speak.. once you are ok." - and I thought "Wow ! This has got to be Him !! Here is my Prince Charming! Finally !! 😃"  

Abhi and me courted each other for 9 long months before we tied the knot on December 25th and ended 2005 with eternal vows !

Yes, I digressed - it was supposed to be a post on my financial timeline, but 2005 was a landmark year, which can never be complete without the mention of a love story that began, the mention of "The" man who took my heart away and a year that taught me that everyone from my friends to my mother were indeed right !

A picture taken at Ravi n Rasika's wedding reception in January of 2008 !

Adding the 41st Rose to the Bouquet of Love...!

She was born to a Barrister Father and an Agriculturist Mother. A highly respected and cultured family of Akkalkot - the Bagul's. One amongst the four siblings, she was the eldest 'daughter' of the family who would go on to complete her graduation in Pune's Modern college with a Bachelor's in Arts.  

He was born in a village named Wade, that could not really boast of proper sanitation, healthcare, education or for that matter, even twenty-four hour electricity! In a joint family of three brothers of his father's generation and one amongst four sons and three daughters. Not to mention, this number would add up if he had not lost two of his siblings who failed to reach toddlerhood, owing to the absence of proper childcare facilities in the village. However, he would turn out to be so befitting to his family name "Maha-jan" - A Great Man !  

They both came from opposite directions of Maharashtra and rightfully owing to their upbringings - with completely opposing lifestyles. She came from a family who had domestic helps to even lay out her bedding each night and if the blanket was not laid out straight, she had a way to bring the roof down ! As a child, she once made a request for playing with rabbits and it was fulfilled ! One could easily believe she was born with a silver spoon in her mouth.

He toiled each month to make ends meet, living as a Bachelor's student of Science of Ferguson College in Pune. Making the transition from Wade to Pune in the late sixties / early seventies was almost synonymous to travelling to a foreign country in today's day and age ! The biggest difference probably being, the absence of capital, owing to so many children to be fed in the same family. 

To add to the ordeal, coming from a village which attached greater importance to holding a plough than holding a book in your hands, made it difficult for one to even dream of completing one's graduation, let alone pursuing his dream of medical studies - which to date, remains one of the most expensive educational investments ! After being digressed, he would still go on to complete his BSc, LLB, MLS - making the most of the situations at hand.. ! 

Their coming together, was like trying to bind the two ends of a rope - one could only imagine the immense transformation each had to go through, in the other's company. As tradition, culture, the patriarchal and socio-economic nature of the joint family in which she was wedded, would have it, the change 'She' underwent, was of greater enormity in comparison to 'His' ! Both of them had been extremely graceful in handling this transition - an important milestone in any marriage. 

41 years ago, they were married with an understanding that a "husband and wife" have the power to move mountains, if they join hands keeping in mind the same vision and zeal to pursue their dreams.

Today, they've become a living example of how one man's dream and his wife's love to see them through those dreams, can bring about a greater sense of equality in the entire joint family.. !! 

Yes, here is a couple, whose true purpose in life was to will-fully make immense scarifies, not just for their parents or children, not just for a generation prior and a generation after, but for the entire joint family. Because they understood, that the true meaning of a life well lived, is not in accumulating wealth, or indulging in needless materialistic pleasures, but it is in ensuring that the ones you call your extended family, are able to boast of a better quality of life - due to better education, better careers, better family relationships and better health. 

She was the 1st and only ever woman of her generation in the entire Mahajan family, to thoughtfully balance her further education, family relationships, kids, home and a fulfilling career! No one could relate to her tribulations - and neither would she ever try to explain or even seek empathy. But she was the true torch bearer of bringing about a change in mindsets, in ensuring that the next generation of 'daughter's' in the 'Mahajan' family, got an education that was great enough to see them employed and financially independent ! 

He was the 1st and most definitely, the only ever man, to have toiled to get even his cousin's children settled in fulfilling lives in Pune. He firmly believed, that a family with economic and educational disparity, is not a happy family. "Always take people along with You!" are his writings in Golden letters, that even I, will live by ! 

Together, they've re-written the norms of a contemporary fairytale "...and everyone lived, Happily Ever After... !!" 

A fairytale that 'We', as their children, loved to witness and take immense pride in ...! 

To Our Dearest Aai and Daddy - Wishing You a very very Happy Anniversary and an Eternally Healthy, Happy and a Prosperous Life ahead.. ! 

(P.S. Your children had better plans, but the lockdown allow's Us to wish you only with words today - We love you so very much ! )

Missing You Both Dearly, 

-Aarohi, Anant, Abhi, Avani and Sayli ! :) 

The Lock Down Stories - May You Meditate on Some Knowledge !

Spiritually, April is meant to be a month of balanced equilibrium. It's a time of growth and moving forward in new and positive ways. With psychic energy in abundance, it is the ideal month to start meditating, for the purpose of healthier living and raising consciousness. 

This WhatsApp forward, which has come to me way too many times, from way too many sources, in the last couple of days, has made me want to see myself as not lacking, but fostering discipline more than ever before ! 

And it helps even more, when You have a husband who lives that, days over months, over years !! The latest addition to his routine over the past more than a month has been meditation. 

In the tremendous exchange of banter that goes on, on our 'F.R.I.E.N.D.S' groups, Abhi, very graciously, pointed us to the list of free courses on Harvard (/ edX). His recommendation comes just in time, when I've failed to tick the box against 'Knowledge'. 

So as a 1st step, I've gone ahead and identified the courses that have caught my fancy ! These are very reflective of my love for writing / speaking, my interest to arrange tangible things in a way that they tell a story, my willingness to gain philosophical insights from the history of Hinduism and Christianity, to understand how digital technologies allow us to visualise ancient monuments in new ways - in this case, the Egyptian Pyramids of Giza ! And finally, how social problems in emerging economies can have entrepreneurial solutions - this choice of mine is more influenced by the scale and magnanimity of tackling Covid-19 ! 

• Rhetoric: The Art of Persuasive Writing and Public Speaking 

• Tangible Things

• Hinduism Through Its Scriptures

• Christianity Through Its Scriptures

• Pyramids of Giza: Ancient Egyptian Art and Archaeology

• Entrepreneurship in Emerging Economies 

There is of course an innumerable variety of courses online, something for each one, from humanities to technology, from health to healing. Happy e-Learning ! 

In the quest for more Knowledge...

this is Sayli signing off.. ! :)

Year 2004 : Turning vegan in the year of the Tsunami .. !

I had 2 choices in the January of 2004...!

One : Stay back in Pune and take up a job with Tata Technologies, which was a result of my Dad's influence being associated with the Tata Group.

Two : Ride high on the fact that I had cleared an Open House, to get employed with one of the top 5 IT companies in India -  all on my own merit ! My Father of course, made that choice a lot easier for me, by allowing me to get out of my Home Town and experience life on my own terms .. !

So here I was in Hyderabad, staying as a PG in the Cosmopolitan area of Begum Peth in Secunderabad with make-up loving & extremely pure-hearted girls of Mumbai ! :) I was now going to earn almost double the amount compared to what I started out with, in Pune.

However, funding expenses as a result of staying away from home, made me feel the salary was still quite meagre. This time, I ensured that my purchases were reflective of my earnings, in line with my monthly budget, and yet very tasteful. I bought a modest pure silk saree for my Mum from Nalli Silks.  I even remember returning my Dad's cheque of INR 5000 which he had handed over to me as contingency funds - I did make him so proud for a change ;) …!

It was also the very 1st time I owned a cell phone and shopped for 'only' branded clothes. One day when I stepped out shopping with a bunch of friends and picked up this Pendant and Earrings set made of white sparkly stones, Santosh instantly commented "You can't fake these for Diamonds !!". Now, ME, being the rebel I am/was, went ahead and bought it! But that statement had a profound impact on me and would shape my purchase of jewellery going forward ! N oh.. It's also worth mentioning that on our very 1st official outbound event with fellow Entry Level Trainees, both Santosh and Myself were voted to be the best dressed - so surely, the comment had been made from the Male best dressed to another female who was perceived to be best dressed and ought to have been taken seriously !

So what does that have to do with Finances you wonder ? Well it's this...  

When you cannot afford what you love or aspire to own, you must settle for an affordable classic - and I settled for the 'Timeless Pearl Studs' !

(somewhere in the September of 2013, anchoring the Vodafone India IT Townhall, I had a chance to sport this astoundingly beautiful set of pearls gifted by Abhi in 2011 when I returned to work from a sabbatical of 3 years & the ring of course is what I robbed from my Mother ! ;)  ) 

Year 2003: Crash of the space shuttle or the Year of the cease-fire ?

The Americans were recuperating post the dot-com bust that followed the Y2K scare. To make things worse, the 9/11 attacks had intensified the 2001 recession.

As an aftermath, the days of 100% placements at PICT had sunset. I was coming to terms with the fact that I had not landed a placement through college. I graduated with a distinction, and my maternal uncle helped me take up my 1st job. For contracting as a programmer with the National Informatics Center (NIC), INR 7000 was what I earned as my 1st salary! 

My 1st purchase was 3 months into working ! 14K blown off in less than 45 minutes, on "couple watches" for my Parents. Later that week, my parents take me to the Titan showroom to return the watches and buy gold instead, from Tanishq (thankfully, both being TATA enterprises made the exchange possible).

I had learnt my first lessons in managing money - A penny invested, is wealth multiplied ! The price of 10 gms of 24 carat gold was Rs.5,600 in 2003 - Today it is Rs. 42,430 ! A whooping 657% return on investment ! 

As I look back today, the seeds on living minimally, by refusing to buy more of what you already have and making wiser financial decisions were sown by my parents almost 2 decades ago. It has in a lot of ways, paved the way for a Minimalist Lifestyle, which I have repeatedly struggled to adapt, but have been proud of the fact that I've never let go off my attempts !

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In a hope to do more of what I love, more of what gives meaning to my life, more of dedicating time to what I do for a living vs. what I do for Joy, more of trying to influence people positively through my experiences, more of hoping to help people live better... a series of posts on the "Financial Timeline of My Life " so far.. this was the first of those series and I hope if you dint find something you already knew, you at least found a way to teach it to your children ! :) 

Stay Tuned, Stay Safe & Stay @Home ! :)
-Sayli
(sending you love n hugs from the 'Corona Virus' Lockdown of April 2020)