Thank you for a fantastic response to GameChanger + Travel Training Kit

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A big “thank you”  to all readers for your support in the launch of GameChanger and its companion Travel training kit. The book -kindle and hardcopy (pre-order) will list on Amazon this week.  GameChanger (hardcopy_ is now available for ₹279 (249 +30 for shipping) and the Travel Training Kit is available for immediate download for ₹199. Users who have read the kit over the weekend will attest that it is still a bargain at 199.  Or you can buy both for ₹349

These are a list of reasons, people have bought the book. Expect every detail to be delivered with pristine clarity. 

Covers of gamechanger the travel training kit (ebook)

Your prelude to the Gamechanger book in the blog ‘Plan to quit as soon as you start working‘ was so intriguing that I pre-ordered it right away. I am also looking forward to what Pranav has to say about traveling.

How to travel around the world with limited budget

Planning a budget holiday thru Pranav s experience

Quick & easy to implement tips on money savings and still enjoy a affluent lifestyle.

How to manage the salary and achieve the desired financial freedom.

I read a random book when I lived in US about a decade ago. The book dealt with how to negotiate and get things done, which also included some financial aspects. Ever since I always wished for a book which tells me how to save money in our dealings with various entities. That is what propelled me to buy this book. Look forward to this book.

I co-authored this book as a lifestyle consultation that people can help design their lives around. Quite often, I dive deep into the math of analysing mutual funds and building calculators. Here, with this book, I shun all that math and return back to the basics.

When you throw away such deep analysis, it’s like talking a walk through foggy roads of a mountain to reach the peak, look down and see that the path is now clear for you to travel over and over. Having crossed the foggy lands, I can look down at the clear path that is visible from the peak. This book will help you shun that fogginess right from the outset.

It is an end-to-end book for living the life you want to lead while knowing that money runs in the background and you can do the things you want. And that’s exactly why we split money into 4 divisions

  1. Inescapable fixed costs
  2. Investments
  3. Savings
  4. Guilt free spend

Imagine the feeling you’d have when someone gives you money with no chip on your shoulder: No worries over the future nor any pre-determined commitments to fulfill (ex: home loan). This is guilt free spending.

You could take the money, buy shoes, or you could do an impromptu bike trip. You could do peanut butter fingers all night, every night or slam-chow cheese pizzas at will. Whatever you do, this question no longer hangs over your head: ‘Am I spending too much?’ The feeling of having money that I can spend irrationally sometimes makes me the happiest person on earth. You could feel the same, if you’ve followed the money allocation process: Salary = Fixed costs – Investments – savings – expenditure.

Personal finance is always beneficial when you learn about it in your younger days. People who learn about it, often feel they are too old to make use of compounding and curse their ill-luck at having found wisdom too late. While an ideal scenario is for a younger audience, this book will get you a clarity over the things you can do now and the best way to utilize your monthly paycheck from hereon.

With non-cluttered, clear directed financial advice consisting of chosen mutual funds, RD structures for recurring expenses, perhaps this has been the magic bullet you’ve been waiting all along.

Add cheap flights, no-frills vacations, time management, best credit card tips – you have an amalgamation of lifestyle perks you can try at will.  

All this for a grand price of 180 if you choose to buy now and buy before midnight. We’ll retail on Amazon for 249 and possibly more in the future.

On Monday I wrote about how my life took hard turns at every corner but I still managed to stay afloat by retaining the best financial practices. Now, here’s your turn to extract the best of my life’s learnings into a 6-hour read.

So, have a good Sunday brunch and if you decide to buy, we’ll ship you the book by the end of the month.


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

GameChanger (hardcopy_ is now available for ₹279 (249 +30 for shipping) and the Travel Training Kit is available for immediate download for ₹199. Users who have read the kit over the weekend will attest that it is still a bargain at 199.  Or you can buy both for ₹349


In other news: You can Be Rich Too With Goal-Based Investing is now available

for only Rs. 90.74

or you can get the hardcover at Flipkart Rs. 279 (30% off) Hardcover or Amazon Hardcover Rs. 317. 21% OFF


Ask Questions with this form

And I will respond to them next weekend. I welcome tough questions. Please do not ask for investment advice. Before asking, please search the site if the issue has already been discussed. Thank you.

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Kolkata DIY Investor Workshop May 28th, 2017

Register for the Kolkata DIY Investor Workshop May 28th, 2017

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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman is the co-author of two books: You can be rich too with goal based investing and Gamechanger. “Pattu” as he is popularly known, publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis, including a robo advisory template for use by beginners. Contact information: freefincal {at} Gmail {dot} com He conducts free money management sessions for corporates (see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints.

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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.
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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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)

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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.



  2. Sir i am interested in buying GameChanger + Travel Training Kit but getting a 404. Can youpls direct me to the buying page.

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