Money Saving Hacks (Coupons & Offers)

I’m looking into the HDFC Diners Club Black to see if I’m getting good value. Should I use my points for travel and dining, or will I lose value by getting products? I want to make sure I’m choosing the best options to get the most rewards.

@The_Delhiite You're right, it's definitely a lot to take in. I find it helps to see the whole 'menu' first so you know exactly what’s available. From here, we can just focus on the specific tools you need and compare those deals side-by-side.

To create some emergency funds, you can use the feature of auto-debit savings, which means some amount of money is automatically deducted from your salary account to be transferred to some other high-interest savings account. Since you are living with your parents, try to save more money. You can also invest some money in some low-risk equity funds.

According to your investment capacity and requirement, the National Pension Scheme is a perfect option for you. NPS offers tax benefits and a pension after retirement. ELSS funds and PPF are also good options to save money for your retirement. These entire schemes are tax saving investments. To understand all the schemes well, it’s better to consult a financial advisor.