Download Re-assemble e-book on our 6th birthday

Freefincal was started on May end 2012. So this is its 6th birthday and to mark the occasion I have compiled the post in the Re-assemble series into a pdf e-book. Re-assemble is a series of basic money management steps for beginners and young earners that was started in Nov 2017. Do share it with others if you find it useful.

The journey from 2012 to 2018 has been nothing short of extraordinary – personally and professionally. Freefincal via its readers has exposed me to how diverse human behaviour can be. I continue to learn about finance, web usage trends, SEO, social media, managing a website and online visibility.

Let me begin by first thanking you, the reader. Without your support, I would have stopped writing years ago. Not only did you regularly read the nonsense I churned out, you used the calculators, told me how to make them better, made it better yourself and constantly gave me new ideas to write about.

Perhaps it is hard for you to believe but every time I feel worthless, I would receive an email from one of you stating that freefincal has a made a difference in your life,  the same day. That would instantly deflect me off that dark corner. As mentioned in the movie, Julie & Julia – blogging is like a regimen they teach at alcoholics anonymous. That is exactly how I see – a productive way to pass the time …. in between meals. Freefincal has nothing to do with financial literacy or financial awareness. God, I find those terms repulsive. Runaway from anyone who wants to spread those – yuck!

For those interested, (reasonably) detailed website analytics (via Google) is available at similarweb. Here is a snapshot. In 2017, a little more than one million people had visited the site (including repeat visitors) and viewed the content a bit more than 2 million times. In 2014 , it was 2 lakh visitors and half a million views. That is decent growth and reasonably good, steady traffic, and this is how they usually come:

freefincal similar web - Download Re-assemble e-book on our 6th birthday

It is a matter of great pride that freefincal has very good “direct” viewership share. Traffic from Google is important but that is all it is -mere traffic. Direct visits imply reasonable brand identity. Focussing on SEO is important but it only means you are advertising your shop well. Direct traffic implies folks like the product and are repeat customers. As a site owner that is what is most valuable.

There is a difference between writing content that people are searching for and writing content that people should be reading. Pompous as this may sound, this is what sets freefincal apart and is possible only because you have supported it. If no one cared, it would have died long ago.

I am happy 10% of views come from email. In this age of social media, email is considered a private mode of online communication and I am honoured people do not mind emails from me. Push notifications are also rapidly catching on. If you are blogger and member of FB group Asan Ideas for Wealth, notice that only 5% traffic comes from FB (including my timeline and site page). So don’t take that group seriously. In the whole wide scheme of things, it means nothing. I spend time there because I am stupid and because it helps me learn real-life problems, not for the traffic.

For the same article, I have received feedback that “I have made things extremely easy to understand” and “I don’t understand what you are trying to say”. It takes all kinds to make the world. I cannot change my style. I can only write like I can write. I am thankful to those who get it. Those who don’t get it should probably look elsewhere.

Only about 20%-25% of people who read an article actually read up to the end. Even here, I know many who skip the math and go to the conclusions. I would wager that only 10% of that 25% would understand what I am trying to say. So don’t get any ideas about “my popularity”. Conclusion: it does not take much to motivate me!

Plans for the future

  • I need to make more videos.
  • Write more about post-retirement market risks
  • Write more about health, parenting and lifestyle
  • Tactical asset allocation
  • Conduct more employee/reader seminars
  • Write more on stock selection strategies. Is it possible to come up with a plumbline for stocks is something that I am actively considering (I don’t know the answer)

I look to your feedback with regard to real problems that many people face. Always a good topic to write about.

Download Re-assemble e-book

freefincal six years - Download Re-assemble e-book on our 6th birthday

Contents:

Step 1: Listing your goals dreams and nightmares

Step 2: Lay the Foundations to Get Rich creating an emergency fund

Step 3: How to buy Term Life Insurance

Step 4: How to choose a suitable health insurance policy

* Apollo Munich Optima Restore Benefit vs Max Bupa Re-fill Benefit 

* Star Health Comprehensive Insurance vs Religare Care Comprehensive Insurance

Building a health insurance comparison chart + Cigna TTK vs Royal Sundaram Health Policies

*  How to buy a Super Top-up Health Insurance policy

How I selected a health insurance policy

Why we all need a corpus for medical expenses and how to build it

Step 5: How to select a credit card for maximum benefit

Step 6: How to track monthly expenses and manage them efficiently

Step 7:  How to close your loans and live debt-free

Step 8:  How to buy a personal accident insurance policy

Step 9: Are you ready to let go and let your money grow?

Step 10: Investment planning case study 1: How to create an investment plan

Step 11: Case study 2: Retirement planning for 27-year old Amar

Step 12: Three Key Factors that decide how we achieve our financial goals

Step 13: How to start investing in equity?

Step 14: What should be my first mutual fund?

Step 15 (not part of this e-book) *: 

(old) How to select an equity mutual fund in 30 minutes! 

(New) How to select mutual funds after the SEBI categorization rules

Step 16: How to buy a house with a home loan: Tips to maximize benefits 

Step 17: How to reduce risk in an investment portfolio

Note: * Mutual fund selection has become bit difficult after a reshuffle of fund categories by SEBI. Hence, I have decided to leave out step 15 from this compilation. Young Earners and beginners may instead choose from my hand-picked mutual fund list: PlumbLine

Download Re-assemble (and don’t forget to share this post with your friends!)

Want to conduct a sales-free "basics of money management" session in your office?
I conduct free seminars to employees or societies. Only the very basics and getting-started steps are discussed (no scary math):For example: How to define financial goals, how to save tax with a clear goal in mind; How to use a credit card for maximum benefit; When to buy a house; How to start investing; how to invest for and after retirement etc. depending on the audience. If you are interested, you can contact me: freefincal [at] Gmail [dot] com. You need to only cover my travel fare for the session.

Connect with us on social media


Do check out my books


You Can Be Rich Too with Goal-Based InvestingYou can be rich 243x300 - Download Re-assemble e-book on our 6th birthday

My first book is now available at a 35% discount for Rs. 258. It comes with nine online calculators. Get it now.  The Kindle edition is only Rs. 199.

Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want

Cover pink - Download Re-assemble e-book on our 6th birthday My second book is now only Rs 199 (Kindle Rs. 99) Get it or gift it to a young earner

The ultimate guide to travel by Pranav Surya

Travel-Training-Kit-Cover This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step.  Get the pdf for ₹199 (instant download)

Create a "from start to finish" financial plan with this free robo advisory software template


Free Apps for your Android Phone

All calculators from our book, “You can be Rich Too” are now available on Google Play!
Install Financial Freedom App! (Google Play Store)
Install Freefincal Retirement Planner App! (Google Play Store)
Find out if you have enough to say "FU" to your employer (Google Play Store)

About Freefincal

Freefincal has open-source, comprehensive Excel spreadsheets, tools, analysis and unbiased, conflict of interest-free commentary on different aspects of personal finance and investing. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. We do not accept sponsored posts, links or guest posts request from content writers and agencies.

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.

7 thoughts on “Download Re-assemble e-book on our 6th birthday

  1. thank u sir. and a happy birthday to freefinacle … you sir have made my life turn around which was headed in no direction.
    sir, there is inuf about need for term plan . but i wud like ur take on .. what to do when u get the term plan payout. how to handle it emotionally and financially .. for the need of the family.

  2. Dear Pattu Sir, Thank you very much for the great eBook as a birthday complement of Freefincol. ..Many more happy returns of the day for FF.

  3. Hi, I can feel the emotions in this post and know its a special place in your heart. I am a direct convert to your website, I came upon your blog while searching for some calculators, and then I am hooked. I have book marked your page and I make it a point to visit it atleast 1-2 times a week. I feel emotionally connected with the way of your thinking and the approach to life. Some of the concerns you are raising – health costs for retired people, costs of supporting sick family members, all of this show the human – personal side. I thought finance/accounts is a clinically cold subject but you have an ” art” of bringing human aspects alive and that’s what attracts me to your blog. I hardly read something similar and therefore yours is my window to financial world. May god give you enough strength to continue more writing and hope to see your writings till I retire !

  4. Dear Sir,
    You are performing a wonderful service by your books to educate the lay person. I would request you to kindly publish the same in epub or mobile format as it would be easier to read in the small smart phone screen

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