Penny a day – target for the year 2024 - starting January 1st - Day after tomorrow!

Penny a day – target for the year 2024 - starting January 1st...Day after tomorrow!

Money-wise, let’s do a small exercise. Go start an account in Bank if you have only one. If you already have two accounts, then keep one account for this exercise. Better still would be opening an account called “Multiple Deposit RD Scheme” – where it is a RD account but you can change the amount deposited every month. Nationalized banks have them. If not, just use ordinary account for this exercise.

Keep a box or piggy bank for this. Involve your child if you have one who is at an impressionable age to teach the basics and importance of saving little.

Now in that piggy bank, deposit Rs.1/- (Yes, you heard it right. Just one rupee the first day, i.e., January 1^st).

Next day, deposit Rs.2/-.

And the day later, deposit Rs.3/-.

This way, just increase one rupee more per day.

a. 
    When you come to Rs.100/-, it may be difficult for most of you. Last month it would be Rs.9000/- for full month. So, everyone can try this. 

For those who find it difficult to deposit Rs.100/- every day and also increase by Rs.1- every day, start with Rs.1- again and repeat the cycle.

b.     Those who are abroad can start with just a penny a day and see results at the end of 31^st Dec.

c.      Those who can afford to deposit more than 100 per day, continue depositing by increasing 1/- rupee only over 100. That way you’ll be depositing Rs.365/- on 31^st Dec 24. 

Take out the money and count. You’ll be surprised at the amount you have saved. So will your child. Do this exercise without fail! Those who don’t have kids also can do this. I am doing it to be your partner in crime. So, you don’t have an excuse that “I am feeling lonely doing it alone maam”. Let’s start and play this little game.

Each one is going to follow a different denomination depending upon affordability. So, don't feel bad comparing your savings with others. Let's just make our pot of gold for once!

All those who want to make it big do this. Complaining, worrying, and fighting with others in family for not earning enough will not solve the monetary problem (both imaginary and real). Let’s take action and see results. Let’s own up our life for just one year and see results. Let’s start small. Let’s end this year with a bang!

I want to hear the tinkering sound of coins and pennies every single day! Every weekend, come back with a “I saved this week too” statement through the comments section.

** Those who are very rich for this also can participate.

** The rich can start with Rs.100 and increase the amount accordingly if you wish!

Hope this is clear!

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