How did My Saving Money Habit Help Me for Achieving My Financial Independence

Good morning All the students, Fans and Friends

We all want to get financial independence in life. We all want to be happy through financial independence. We all fear from the poverty or lack of money in future. Because future  is uncertain and we need money for lots of purpose. At the time of emergency, we need money. In future, there are lots of opportunities which we can achieve if we have the money. So, there are two big needs of money

1. Money can be Used for Emergency 

It can be used for emergency time and it gives the self-confidence to face same emergency. For example, you faced any disease in future and you went to Doctor and he demanded his fees for his advice. If you have the money, you can hire the service of Doctor If you do not have the money, you can not hire the service of Doctor.

2. Money can be Used for Getting Opportunity 

It can be used for getting the big opportunity in life. For example, a person is under debt. He need big money to pay the debt. So, he want to sell his property at very low rate. If you have the money, you can easy buy it and sell it at big profit. This is opportunity.

So, it is useless thinking if you say, I do not need money.

Now come to the Question

"How did My Saving Money Habit Help Me for Achieving Financial Independence?"

1. I saved 62% of My Google AdSense Earned Money in 7 Years ( 2008 to 2015  - 7 years ) 

I earned Rs. 2600,000 from Google Adsense account through monetizing this website upto 18th Sept. 2015. My google adsense account was disabled on 18th Sept. 2015 after 7 years. Because 19th march 2008, my google adsense account was started. So, within 7 years, I have developed my google habit of saving. All saving was in govt. fixed deposit accounts. It means 100% secured.

Total income from Google Adsense in 7 years =  Rs. 26,00,000

It means Total my one year income = Rs. 3,71,428

It means Total my one month income = Rs. 31,000 ( Approximately )

It means Total Saved money in 7 years = 62%

Total saved money in 7 years in amount = Rs. 16,00,000

It means I spent in 7 years = 38%

It means I spent in 7 years = Rs. 9,88,000

It means I spent in one year = Rs. 141,000

It means I spent in each one month = Rs. 12,000 ( Approximately )

Now I gave its record, how did I spent same money

1. I bought a new bike = Rs. 50,000

2. I bought a second hand car + its all services cost = Rs. 1,00,000

3. In my home, I have bought new laptop = Rs. 25,000

4. I have bought second hand laptop = Rs. 10,000

5. I have constructed my new office in my same home = Rs. 5,00,000

6. Eating food and other expenses in 7 years = Rs. 350,000

7. It means spent eating and other expenses 12 months = Rs. 50,000

8. It means spent eating and other expenses one month = Rs. 4600

2. My Strategy to Increase My Stamina upto 62% saving money per Month 

Today, whether you are doing job or doing business, I think, you do not save 62% earned money. You can give excuses

1. I have big family
2. I have lots desire
3. I love spending
4. I want to enjoy the life
5. I feel happy when I spend the money
6. At the first 15 days, lots of expenses I faced
7. I have diseases

If you are excuses like this and did not make the saving habit, it means, can I give same excuses

1. If you have big family, I have also
2. If you have lots of desire, I have also
3. I you love spending, I also
4. If you want to enjoy the life, I want also
5. If you feel happy when you buy, I also
6. If you have lots of expenses, I have also
7. If you have disease, I can also think about this.

When Your qualities and my qualities are same, then, How can I saved 62% every month non-stop seven years and you did not save anything in 7 years. Difference is very clear

1. I have practice of saving money every month non-stop 7 years.
2. Due to practice, I make my muscles of saving money per money 62% total earning.

Now, I am telling how did I start saving the money. There is very interesting story behind it. In beginning years of my google adsense account, my earning was Rs. 15000 per month through showing google adsense ads in my website. Its account has shown that I have earned. Rs. 15000 but it did not issue the cheque. That time, company had issued check. Now is wire transfer. So, I waited few weeks. That time, I did not have the habit of saving money. So, past earned money I ate like you. So, I have zero money but I have the expenses of my website and eating and other. So, I felt fear about my future. I felt very stress. I started to do meditation in cemetery home of my city for 2 to 4 hours. Then, I went my city's Gurudavara for eating food in afternoon because I did not have the money to face this emergency situation. I taught tuition before this, but due to making this full time profession, I stopped it. So, it was very difficult for me to again start it, it was second year's time after starting my google adsense account. So, I sent the request and company checked and send me cheque after one month but it was in dollar. So, my bank did not accept it. So, for getting same 15000, I spent my 4 month time without any money through the support of meditation of God and My city Gurudavara Langer and my family support. I am very thankful all time to all who had given me support in my bad time. Now, I have received the money Rs. 15,000 from Google Adsense in Indian currency. So, started my time to give the importance of Saving money and make it as the part of my good habit of my this life.

1. I  Determined I will Save Money Per Month from My Google Adsense Money 

It is the time to control my all expenses. I started to reduce my expenses. I focused to write my new contents and video instead thinking about spending money. Mind has great two powers

One is power of determination

I have given the command to my mind to stop all expenses for saving 50% of earned per month and my mind accepted it through my given command. I am chief of my mind and my mind is the solider of my body, he will accept what I did command. Determination is the burning desire of a person to achieve the biggest goal in life.

If you say, Yes, I can do this. I will do this. It means, you can do this and you will do this.

2. I Focused to Save Per Month Google AdSense Earning

Mind has biggest second power is focus. I told to my mind to focus to achieve my goal. My mind accepted it and I started to focus to save per month google AdSense earning. As I receive the money from google AdSense cheque, I could not come home, I started to deposit its 50% or more in my saving bank account. So, Every month non-stop all next years, I was focused on this commitment. Once, I saved 100% of google AdSense earned money, so, my average of saving money in 7 years has improved upto 62% saving per month.

3. My Failure in Saving Money in Past is God Gift for Me 

Yes, if there is no failure of saving money in past, I could not get the taste of my bad situation and it is possible, I could not achieve biggest goal of saving money in my life.

How can You Develop Also Your Habit of Saving money

3. My Strategy to Invest My Saved Money in Profitable Projects ( From 2015 - 2018 - 3 Years )

Not just save the money, we need also focus to invest it in profitable project also.

1. I invested my Saved money in 7 years's Rs. 6,00,000 ( Approximate ) for buying new residential plat of 65 gaj and constructed 2 rooms, one kitchen and one bathroom

It is in residential place new my city. Rs. 6,00,000 invested on it

On 20th july 2016 = Bought Residential Plate = Rs. 350,000 (including registry cost )

Upto 6 month construction worked I spent = Rs. 4,50,000 ( out of Rs. 250,000 is my past saving and Rs. 2,00,000 which I saved between Sept 2015 to March 2017 )

Total invested cost of This Residential Plat which is the part of our University

= Rs. 8,00,000

Now its market value is = Rs. 15,00,000

If I will get success for first floor on it, I can give it on rent
and it will give me per month passive income = Rs. 6000 + Plus gain of ownership of same property which will grow financial value in future.

2. I invested my Saved money in Rs. 2,00,000 ( Approximate ) for buying new second plat

I bought Rs. 120,000 new plate of 431 gaj. It was big opportunity because buyer need this money for return his debt. I had past saving money. So, I got the benefit from this opportunity. So, I bought same land by invested same Rs. 1,20,000

Saving investment for buying plat = Rs. 1,20,000
Investment in construction of second plat = Rs. 80,000
Investment new construction of second plat with new earned money = Rs. 300,000
 ( Approximately calculation will be done and then exact amount will come )

Total investment = Rs. 5,00,000

Market Value of Same Plate = Rs. 10,00,000

Expected Rent Earning from this plat and construction = RS. 10,000

3. Rest Past Saved Money in Fixed Deposit in Govt. Bank Account 

Rest Rs. 8,00,000 and its interest about Rs. 4500 tries to invest for buying assets or growing my saving money

4. Plan of Saving Rs. 5000 Per Month in RD Account in Bank ( From 1st June 2017 to 31st May 2018 )

I am deposit the money in my RD Saving Account every month from my current earning. Whether I earn or not, it is my definite goal and thank god, I am paying Rs. 5,000 per month in RD account. Simply, I say, I am addicted to save money every month. I am slave to save money every month from last 10 years. That is reason, even unlimited my desire, even unlimited my spending and investments, I have succeeded to save the money because it is the source of happiness.

5. Investment in Fruits Plants from My Saving Money

From childhood, I have the hobby of gardening. I have invested some money in my home's kitchen garden and now, I am eating its fruit. Now, From my new earning, I invest some money to buy plant and add in my new first and second plat. I think, it will bring happiness and reduce my food expenses at zero level.

Investments in

  1.  guava Fruit plant = 6 plants 
  2. grapes fruit plants = 2 plants
  3. Pomegranate fruit plant = 3 plants 
  4. Amla Fruit Plant = 2 plants
  5. Lemon fruit plant = 3 plants
  6. Mulberry Fruit Plant
  7. Jamun Fruit Plant = 2 plants
  8. Orange fruit plant = 2 plants 
  9. Cheku Fruit Plant =1 plant 
  10. Bell Fruit Plant = 2 plants

4. My Next Biggest Goal of Saving Money ( From 2nd April 2018 )

From 2nd April, I am very determined to save my money upto 70% of my current per day earning. This saving will be in my bank account or in the asset which will increase the value of my saved money.

5. Inspire Tips from My Saving Money Habit Success Story 

1. Bring of Thoughts of Saving Money in Your Mind

Always think the benefits of saving money in your mind. It will bring the positivity in your mind and you will achieve your goal of saving money per month.

2. Effect of Law of Attraction 

If you want to increase your income, you need to increase your saving
More saving means more increase of your self confidence
This more self-confidence will attract more income for you.

If you have more income + more saving, it will surely attract more passive income for you.

Due to law of attraction of nature, rich becomes more rich and poor becomes more poor.

If you are poor and start to think about poverty, it will attract the fear of poverty

If you start fear from poverty, it will attract the fear of disease.

If you have the fear of poverty + fear of disease, it will attract the fear of old age.

You will old in your young age and then you will think to start about the fear of death.

So one thing happened will attract other thing. So, remember it what action  will you take.

You think always about prosperity

3. Effect the Law of Habit 

Remember Following points

1. Saving habit will become strong in 10 years non stop saving.
2. Save every day some proportion of your money
3. Try to increase your ability to save money
4. If you will not save money, you will not catch golden opportunity of your investment
5. If you will not save money, you will unable to face your emergency situation and decrease your self-confidence yourself.

My Golden Rule for Achieving Financial Independence 

1. Increase your Asset. I have saved money was Rs. 26,00,000. Now, I have used 50% of this saving and now total asset's market value is Rs. 33,00,000
2. Try to Invest your Saving Money which will give you passive Income. It means, you do not do work and you receive money. Means, you will become the owner of money not slave of money. Now, my passive income is Rs. 17500 with old saving and Still, I did not count after 15th Sept. 2015. It will more than this.
3. Try to invest your saved money in fruits plants and trees. It gives us fruits and oxygen and clean the environment pollution.

Get My Personal Training for Your Saving Money Habit 

For My Personal 60 Days Training for Making Your Saving Money Habit, please book your appointment at my personal   my email 

For booking your appointment, please inform me in email

your name
your complete address
your age
your per month job or business earning
how much is you saving money per month
why are you unable to grow your saving money

Get My Best Selling Book for Growing Your Saving Money and better money management 

I have explained lots of tips in this ebook which I could not explain in about content. Whether you are in India, or outside India, you must buy and read this ebook and you will make better saving money habit for your success. Buy it now at here.







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Accounting Education: How did My Saving Money Habit Help Me for Achieving My Financial Independence
How did My Saving Money Habit Help Me for Achieving My Financial Independence
Accounting Education
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