Now Pre-Order GameChanger With Travel Training Kit

Published: May 18, 2017 at 12:55 pm

Last Updated on

GameChanger, my new book with Pranav Surya is now available for pre-order at an exclusive price of Rs. 180 (ends May 21st) before it retails at Amazon next week for Rs. 249  (plus shipping). We now announce a comprehensive travel training kit that can be availed for only Rs. 85 extra if ordered before Sunday, May 21st midnight. Grab this offer now!

Is the book Gamechanger right for you?

Yesterday I told you about mistake fares that I use to book my vacation flights and now I want to tell you more about the book that we put together to help you live the Rich Life you want (really, we do).

The first step to becoming or feeling rich is to find the things & activities that make you feel so. To me, being rich is to travel at will. My ideal life is: bust my ass at a corporate job for 11 months where I make meaningful contributions, see the city I live in and take a month-long vacation for the remaining month. While working, I don’t mind living in a dump provided it has lights, running water and Wifi. My priorities are:

  1. Travel (my main savings go here)
  2. Good food (I’ll accept lower-pay if they have good food in their campus)
  3. Keep my parents going (send something by month end)
  4. Public transport (when I’m bright and early) or Uber (if I have no time) — I simply hate driving

Other things like a decent home to live in, new furniture, great clothes to wear, come lower down my priority list and that’s why I scrooge down every penny while paying for these items. But, some of you like to buy a big house and ask a top-draw designer to decorate the interiors. A few like to buy the flattest screen, the fastest car or the fattest milkshake after every meal. Trying to conform the good life, to a wide variety of people is impossible.

The first step toward becoming rich is not knowing which equity funds or debt funds to invest but a clear reason on why you want money. Pattu’s previous book on investing for goals is a very good example. Unless you have perspective over why you want to save and invest, things are always hazy.

This following table will help you figure out the rich life you’d like to lead

Needs and wantsOptions
FoodHome cooked (cheap) or External (expensive)
ShelterSmall place to sleep (PG or parent’s place) or Big place
TransportUtilize public transport or Buy a bike/ car
EntertainmentBig-time parties or Book in hand, come Saturday
FriendshipChai shop conversations or pizza stakeout
Clothing/ ApparelsBig brands or copies of big brands
In workStart a Business or scale rank at a Corporate set-up
TravelLuxury living or Bed & Breakfast places
ElectronicsMost expensive ones or utility ones
PartnerMarriage now or delay, kids now or delay so that, DINK (Double income no kids) is planned (and awesome)

Once you put down the hierarchy of your desires, it is easier to define your richness quotient and to begin taking control of your finances.

As you define the things that make you happy, it becomes easier to cut down on categories that don’t make much sense. Rather than trying to scrooge down avenues where we spend most of our salary, we can cut down on things we don’t like.

For example, I hate overpaying on phone and TV bills. And so, I negotiate down the bills through which I’ve cut down my TataSky bills from 800 to 450 per month (that’s 350*12 = 4200 per year for doing 30 minutes work upfront), reduced Vodafone’s postpaid bills by 40% and got my yearly credit card fee waived. All this is covered in the book with real life scripts, tips and insider knowledge on how to make different calls to each industry.

Here’s another example of something you might not know

Credit score affects what you pay for a home

CIBIL website info for a loan evaluation process

From the above infographic, at the last step, when the bank concludes that you have good credit history and are trustworthy, they hash out the terms of the loan. Outside of India, the banks offer lower-interest for a good credit score. In India, people infer that a good credit score doesn’t offer leverage in interest negotiations and only acts as a gatekeeper for loan approvals. In all, various sources cited that the rates can’t be lowered with a good credit score while some say it can be.

And so, I started calling banks and people I know, who are in the profession. The answers were quite clear: when you enter the Credit Manager’s office, it certainly pays to have a good credit score. The banks were fighting for anyone who knows his finance – managing good credit score without past blemishes. Being the guy with the good score you had the pick of the litter and not the other way around.

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These are the things you need to know/ carry into the manager’s office:

  • The rates offered by competing banks and other financing houses
  • Your credit history (payment schedules, amounts and credit utilization percentage (ex: 20,000 of a 40,000 limit – 50%)
  • Your situation at work and a letter of recommendation from your boss (a glowing report of your work aka you’re unlikely to be fired and will have a steady income)
  • The relationship with the bank (years of RD, FD and credit cards held)
  • Your automation plan: you’ll be paying the EMI’s right after you receive the monthly salary

I know some people who are well-bred on finance stay on the fence about using credit cards, but if you are considering a home or automobile purchase with some part as loans, credit card usage can help you lower payments.

Imagine you and your friend popped to the bank looking for home loans. You have a credit report of 4 years where you promptly paid the credit card balance on time every month. But your friend took his parent’s advice and stayed away from credit cards. The bank will quote you around 9% and your friend will almost always be quoted 11% or above. At best, he can negotiate it down to 10% if he has a Checking Account in that bank and at worst he might be rejected for no credit history. If you think the 1% in interest isn’t much, whip out an excel sheet and you’ll see the big difference.

Interest Rate40L Home loan, over 20 years, the interest payments will be

Over 6L in interest payments (EMI) if you don’t have credit history
Becoming rich is about controlling the big expenditures as much as getting big sources of income.

The above two points are just the tip of the iceberg, in what is an enormously value-loaded book. It is bound to change the way you think about money, holiday, travel, work, life, automation and many such.

Here are a few features of the book:

  • A deep dive and market analysis into why joining a start-up for financial reasons may not be the wisest reason
  • ‘How to set yourself mentally’ with respect to spending money – because it is in spending well that we derive most happiness
  • How to find the simple solutions and how to keep repeating them over time for great results
  • Best ways to tame credit cards to your benefit
  • Total analysis of frugal travel
  • How to automate your finances so that you can spend 2 hours per year thinking about money
  • How to invest? Which 1 mutual fund to invest in? How will your life look down the line if you followed this?
  • Early retirement, mini retirements and every other enjoyable scenario

Here are some of the tangible benefits you’ll have

  • No worries over ‘Am I spending too much?’ You’ll have a clear map of all expenses
  • You’ll spend 2 hours per year on managing money – but investments, savings for repetitive expenses happen on their own
  • More time toward family and artistic endeavors. If you’ve always wanted to read more, travel more or just be with your kid more, you’ll find the time now
  • Money is the least of your worries even if you’re in the lowest paying jobs. You’ll be able to have everything you want just one at a time.
  • Make that career change, pursue childhood interests or take mini-retirements because you’re brilliant on the money front and don’t have to slog week after week

Click below to get the book that is titled Gamechanger for a reason. People talk about that shake people from their slumber and will leave them a new person after they’ve read it. I hope this is one such book for you.

I’ve one extra goodie loaded that I’ve running the countdown for, this past week. This is a ‘travel like the seasoned training kit’ that goes well and beyond what is written in the book. Due to editorial constraints and to maintain readability flow, a lot of content has been trimmed. All details, nooks and corners of cheap travel are explored in this holiday training kit. If you would like to get it, there’s an unbeatable guarantee on it: if you don’t find one cheap flight from your home after reading it within 60 days, we’ll refund the money – no questions asked. The only catch: you need to do the 3-minute routine of searching for flights that is outlined in the travel kit every day.

The travel training kit (e-book) will include

a deep dive analysis into vacation planning, finding cheap flights, budgeted 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. Your one-time decision to read it will impact the way you travel for decades. My friends ask me: how do you travel so much and now, I’ve put all the secret recipes in here.

After you’ve read the training kit, all readers are invited to hop onto a live video call on 28th to clarify any doubts and to ask any question that you have


This book will change the outlook of those who read it. – Murali Vijay, Indian Cricketer 

This book changed the way I looked at vacation planning and has provided me with a new perspective when planning for a vacation. Previously, I used to decide a location and then plan a trip, this book gave a new perspective to bucket-list different places and then select the optimum place at a given point of time. The book has provided various accommodation options that I was not aware of. From personal finance planning, I only wish that I had access to this book at the start of my career. Beta Reader, Muthukrishan

GameChanger Buying Options

GameChange Buying Links

Click here to buy GameChanger hardcopy for Rs. 180

Click here to buy GameChanger Plus Travel Training Kit together for Rs. 265

Those who have purchased the book for Rs. 180 will be sent a link to buy the travel training kit for Rs. 85 (offer valid up to Mat 21st midnight).

Note: The Travel Training Kit (without video call) will be available for Rs. 150 from May 22nd.

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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman(PhD) is the author and owner of  He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Pattu” as he is popularly known, has co-authored two print-books, You can be rich too with goal based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management.  He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates  and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)
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; where to invest; 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. I can do the talk via conferencing software, so there is no cost for your company. If you want me to travel, you need to cover my airfare (I live in Chennai)

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Freefincal has original unbiased, conflict-of-interest-free,  topical reports, reviews, commentary and analysis on all aspects of personal finance like mutual funds, stocks, insurance etc. All guest authors and contributors to the site also do not have any conflict of interest. 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. No promotional content We do not accept sponsored posts and link exchange requests from content writers and agencies. This is our privacy policy Our website is non-profit in nature. The revenue from the advertisement will only be used for hosting charges, domain registration charges, specific plugins necessary for traffic growth and analytics services for search engine optimisation.

Do check out my books

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingMy first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.  It is also available in Kindle format.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You WantGamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantMy second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! 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)

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)

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.


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