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AITK for caring too much about money
Update : Thank you everyone for your comments. I admit that I was wrong. When I first saw all the negative comments, I got defensive. But after talking to my closest friend and some self reflection, I learnt that I was being a kameena but not intentionally. It was due to built up frustration and feeling unappreciated. But I have started to let go and save my energy to myself, my work and my overall health. Little backstory if you are interested: I grew up poor. But I studied hard and landed a job. I have been working since I was 21, and only after 5 years of working in a white collar job I could save 1 Lakh (in 2020). In all of my years of working, I repaid my student loan(1.5 lakh), bought my mom gold jewelry(2 lakh), helped build a house(15 lakh) and sponsored my own wedding(12 lakh), paid my brother's loan(8 lakh). In return, I got nothing. My family never mentioned to anyone whatever I did because a girl helping would bring shame to family. I accepted it even though it hurt me. Even after marriage, I pay half rent, maid and half groceries. Recently, I became frustrated with my husband as I had to give 1 lakh for his sister wedding expenses (not surprisingly, his family also does not mention it and acts like it never happened). Even though he has good income, he keeps 'helping' everyone around him which in turn hurt his savings. So, in short autowala, daily wage worker and the ride got burnt of my built up frustration which was obviously not caused by them. For this I admit I was a kameena and swear to make some changes in my behavior. ---Original--- As the title suggests, am i thinking too much about money or is it normal? I don't wanna be an Indian karen. Post Covid everything seems to be expensive and society seems to be more and more scamming. Every time I step out of the house, I lose money and not on purpose. There are some scenarios that have happened in the last 20 days. Scene 1: We went to Iskcon temple where we purchased a 5 Rs ticket to keep our shoes. There were 3 of us, so we paid 20 Rs but received only 4 Rs in return. I let go. Scene 2: I was travelling via bus and my phone died. So I paid 100 Rs in cash for 35 Rs ticket, in return got 60 Rs. I let go. Scene 3: Booked a uber auto for 2.5 km ride. Total charge was 52 and rider showed some old receipt and asked for 55. I was arguing but my mom cut me off and asked me to give the money. I did. Scene 4: Booked a rapido cab for 16 km ride. Rider dropped us in the middle of nowhere after 10 km and asked us to pay full price 350 Rs. I argued but he kept shouting, I was with my father so I paid the whole amount. And extra 100 for the remaining distance in a different ride. After hours of chatting with customer support, I got 80 Rs back. But that is in Rapido wallet which can only be used for Bike service (I'm 30F, I don't use bike service). Scene 5 (my breaking point): Our maid broke our mopper, so we had to buy another one. In hurry I ordered one from Zepto. We picked it, but the top part was missing. I Immediately raised an exchange and Zepto accepted. Rider came but hesitant to take because the parcel has been opened. In his defense, if he accepts and store owner rejects, then Zepto will cut the mopper amount from his pay (which is his entire day's earning). So he connected with rider support and I connected with customer support both of them said the same thing. They need Store owner's acceptance for the mopper to exchanged. Both were forcing me to cancel the exchange request and keep the product. Store owner accepted after 1.5 Hrs, I also made sure that rider got his pay. But mom commented that I should've let go and I have wasted the poor boy's 1.5 hours. Not just outside, I keep telling my brother and husband (who are nice people but gullible) to avoid spending and do more saving and investing. But I get shut off. My husband was once offended by my repeated suggestions. I always pay full price to daily wage workers and my maid. The thought of taking someone's hard earned money makes me extremely uncomfortable. But society does it this to me so easily and if I try to fight back, all I get in return is discouragement. So, am i the kameena for thinking too much about money? submitted by /u/Hot-Marionberry5714 to r/AmItheKameena [link] [comments]
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reddit.com |
Hot-Marionberry5714 |
Jan 28, 2026 |
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Why Kiwi Yes Bank CC is my preferred Rupay UPI credit card today (versus Tata Neu Infinity and Jupiter Edge CSB)
Here's why I prefer Kiwi Yes Bank credit card over its two competitors (I know Tata Neu Infinity gives Kiwi a close fight and I'm including Jupiter Edge CSB here just because I have it--the card is a flyweight today; no pun intended): Why not Jupiter Edge CSB or Tata Neu Infinity: Jupiter Edge CSB has been a poor choice for a while now, ever since it was devalued. It is LTF though. Gives 2% back on UPI spends only on one category (which can be changed quarterly) but even that too can be a hit and a miss. I was barely getting any cashback. Only advantage was free credit period. Also, unless you have a Jupiter savings account (Federal Bank), you can't convert Jewels (their rewards) into real cash. Most often you get 0.4%. On Tata Neu Infinity earnings are decent (1.5%) but you get stuck with Neu points rather than real cashback. Neu coins can only be used on Tata platforms (like Big Basket/1mg). Tata Neu also has limits on UPI earnings (max 500 Neucoins per calendar month). Also, Tata Neu Infinity is normally a paid card, and today only new users to HDFC Bank can get it LTF under a special festive offer. Existing HDFC cardholders can't (this has been communicated to multiple people on this sub recently). HDFC Bank has refused to make my FYF Tata Neu Infinity LTF, which means I will close it before renewal as I don't see enough value to justify the Rs 1499 + GST renewal fee. Coming to Kiwi Yes Bank credit card: 2% - 5% real cashback on scan & pay when used with Neon programme (you can use without Neon and get 1.5% cashback). Cashback is directly transferred to bank account when I redeem. No closed or proprietary wallet like Tata Neu, and Kiwi also transfers to any bank account, unlike Jupiter Base Reward Rates are 4 Kiwis on UPI spends = 1% cashback and 2 Kiwis on non-UPI spends = 0.5% cashback. Users can subscribe to Neon for additional cashback and lounge vouchers. First Year Neon Subscription was free but is usually charged now, unless you can get an offer for Neon FYF. Under Neon users get: • 2% cashback on UPI transactions and 0.50% cashback on Non-UPI transactions • 3% cashback and 1 Domestic Airport Lounge Access voucher on spends of > Rs. 50,000 in a year • 4% cashback and 1 more Domestic Airport Lounge Access voucher if spends of > Rs 1 lakh in a year • 5% cashback and 1 more Domestic Airport Lounge Access voucher if spends > Rs 1.5 lakh in a year After Rs 1.5 lakh milestone you get 2% on all spends (you get 5% only up to Rs 1.5 lakh) When you cross Rs 50000 in spends (UPI and non-UPI) you get 3% on all UPI spends before milestone was reached, so 1% extra on transactions where earlier 2% was given. Same when you reach other milestones. Minimum transaction value to earn cashback is Rs. 100 Maximum cashback in a calendar month is up to 1% of credit limit, which is plenty compared to Tata Neu Infinity. The card is LTF. If you stick to LTF version without returns 1.5% cashback. Kiwi App has great UI and UX; the Tata Neu app is very poor on UI and UX. Jupiter is fairly good, though Kiwi is the best of the lot. Both UPI and Non-UPI transactions are considered for calculating milestones with the Kiwi Yes Bank credit card. Kiwi Yes Bank Credit Card is also eligible for Yes Bank Credit Cards instant discount offers (e.g. on Amazon, Swiggy, etc). Kiwi has separate discount offers on platforms like Swiggy, Zepto, Zomato, etc. So you get Yes Bank offers + Kiwi offers. Excluded categories for base cashback & milestone: Fuel, Jewellery, Wallet Load, Insurance, Education, Rent, Utilities, Telecom, Government Payments, TV Cable services and EMI transactions The icing on the cake for me has been the surprise cashback I get on regular UPI spends (via bank, not credit card) done on the Kiwi app. Small amounts, but certainly welcome! Negatives I didn't get cashback on 1 or 2 merchant spends till date. Have got Kiwis on 99% of transactions. Is great for only one year if Neon is not offered free next year, as base cashback is only 1%. However, in my experience most UPI credit cards are short lived before they implode in a devaluation, and I expect there will some new UPI credit cards next year. Super Money's superCard Plus, looking at you! Is expected soon and headlines are 3% cashback on all UPI scan and pay spends and an LTF card to boot. submitted by /u/blackbird373 to r/CreditCardsIndia [link] [comments]
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reddit.com |
blackbird373 |
Nov 18, 2024 |
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I hate leaving my dog alone at home...
I tapped on the arrow on my screen, and watched as the camera panned across my living room. I continued tapping, until I got the notification that my camera had reached the maximum swivel on that side. Then I tapped the arrow to swivel it the other way. As the camera rotated, I caught sight of a black curly tail. There she was! Little sparks of joy bloomed in my heart. I panned the camera down, and saw her staring straight at my screen, her beautiful adorable face cocked to one side, her soft golden eyes wide open. I looked around the train carriage, then pressed the ‘Talk’ button on the app and said as softly as possible, “Hey girl.” Zepto’s ears pricked up and she sat up excitedly, her tail wagging so hard that her little bum moved along with it. She then started sniffing about near the camera, looking confused. I giggled out loud, then quickly caught myself. My pup seemed to be doing well alone at home. That was a relief. I was surprised she hadn’t torn everything to bits, but then again, I’d placed everything she could possibly rip apart out of her reach. “I’ll be home soon.” I whispered into my phone, and watched as her tail wagged harder. I’d just got a pup for two months, and I had never left it alone at home before. Partly because I had people I could call over to help watch her when I was out, and mostly because I just really love staying home. In fact, I think I’d left the house only twice in the last two months. I would say I need a life, but I’ve got a pup, so I reckon I’ve already got an awesome one. When I got home, Zepto’s barks and whines started the minute I stepped out of the lift. I could hear her scratching at the door. I flung it open dramatically, and she leapt up on my thighs, pawing, tail wagging, trying to lick my face. I bent down and let her lick me all over the face. I needed to wash my face after anyway. I’ve been staying alone in this apartment for the past half a year, and I’d finally got the best companion and roommate I’ve ever had. Zepto was a handful, but she was worth every struggle and accommodation. As a freelancer with the internet, it was easy for me to never have to leave her alone. Except for times when clients insist on face to face meetups. I hated those. I washed and refilled Zepto’s water dish and dropped a couple of ice cubes in it. I took out the ice tray to fill up, but it was already filled. Huh. I must have filled it last night. I sat down at my desk and got to work. I liked to do up my designs right after discussions, while the main points were fresh in my head. I lost track of time, and only looked up when I heard what I heard a cupboard slam. I sat up and my heart started to race. That sounded like the kitchen cupboard, which Zepto would not be able to reach. I emptied my stationery holder of my pens and clutched it tightly in my hand as I went to check out the noise. I carefully turned the corner into the kitchen, and peered past the wall. No one. I breathed out a sigh of relief. Nonetheless, when I returned to my bedroom, Zepto following, I locked the door before going to bed. The next day, I had to leave the house again, this time for a short dinner meeting with a client. My heart ached as Zepto scurried to the doorway as I left, closing the gate on her. She stared at me, whining. “Bye girl, bye baby, I’ll be back so soon! I love you.” I patted her head one last time, then steeled myself and closed the door. I heard her whining all the way to the lift, breaking my heart. On the way to dinner, I checked the pet camera. She was still at the door, whining. For the whole half hour ride to the dinner, she lay by the door, occasionally getting up to sniff and whine. It was heart wrenching to watch. I needed to end that meeting early. Unfortunately for me, the edits and feedback given by the client were comprehensive and thorough. It seemed like everything he had wanted from the start was no longer applicable. “Something bright and fun” became “something preferably more elegant and clean”. “Bold, loud font” became “Swirly fancy fonts”. And so on and so forth. It was dark by the time the meeting was done. I rushed out of the restaurant, and flagged a cab. I wasn’t about to take the extra time for public transport, not with poor Zepto waiting anxiously. Once in the cab, I activated the pet camera. She wasn’t there at the door. Well, at least she finally got comfortable and went on to do her own thing. I panned the camera, and it swivelled slowly across the room. My heart seized as the back of a figure came into view in the corner of the screen. I swivelled the camera a little more, so that it was now centred. I felt nauseated, my stomach bottoming out. I couldn’t make out the figure’s legs. Just long black hair down its back. The arms and body clothed in what seemed to be a ragged white shirt. Floating, it seemed. Fear pricked my neck. I almost asked the cabbie to take a look, to make sure I wasn’t crazy. But I decided against it. Perhaps if I didn’t acknowledge it, if no one else did, it would disappear. Then the head started to turn. The side of its pale face appeared, showing dark eyes. Then the head turned completely, and both of its eyes, which I now saw were a dark red, stared directly at the camera. At me. I gasped and switched the app off. “Hold on a moment.” I told the cab. I considered going to my friend’s place instead, getting reinforcements before heading back. But then I remembered. Zepto. Oh shit, my poor dear Zepto, alone with that thing. “It’s all right, sorry, just go ahead, and hurry, please.” Summoning all my courage, I switched the app back on, and braced myself for that image. But I let out the breath I’d been holding when I saw that it was no longer there. I took a few more deep breaths, then forced my finger to press the arrow button, making the camera swivel around. There Zepto was, safe and sound. I sighed in relief. My darling was fine. So far. She was lying on the couch, and…nuzzling against something. The thin air, it seemed. I looked closer, blinking my eyes repeatedly to get a clearer view. Then I thought I made out a white, fuzzy image of a thigh, a leg. Zepto was nestled against…that thing? My cab reached at that moment, and I shot out, nearly forgetting to pay. I quickly threw down some cash, asked the cabbie to keep the change, and starting running. That fucking thing was not going to hurt my dog. Don’t get me wrong, I’m a huge coward. I’m terrified of anything supernatural, ghosts, spirits, demons. The idea of encountering them usually paralyses me. Just talking about them makes me break into a cold sweat. But tonight, a deep, blazing rage fuelled me when I thought about that fucking thing harming my precious Zepto. The sweetest dog you’d ever meet. The dog who loves me so deeply. Whom I love. That rage somehow dulled my fears, and all I could feel was a tingling current as I jabbed the lift button multiple times. The doors closed, and I was headed up, to save my doggy. At the door, I fumbled with the keys, my hands shaking from adrenaline. There was no sound from within. I panicked, and my hands shook more. Finally, I got the key in and turned it. As I did, I heard the familiar sound of Zepto barking, and gave a heartfelt prayer of thanks to the universe. My dog was fine. I opened the door, ready to grab Zepto and run. Zepto leapt up at me excitedly, tail wagging so hard her butt was once again wiggling in joy. She licked and nipped at me excitedly. I bent down and picked her up, despite the fact that she was growing to be a big pup, kind of heavy. I nuzzled my face to hers, then quickly looked around. Nothing out of the ordinary. I walked in, still leaving the door open, ready to run. I checked out every part of the house. No one else was there. I didn’t sense anything off, other than fear emanating from my taut nerves. I began to relax. I placed Zepto gently on the ground, and went to get a glass of water. Funny how thirsty I could get when I’m terrified. I closed the fridge door and poured a glass from the cold water jar. Then I looked up, to see its eyes boring straight into mine. I screamed, backing away and dropping the glass. Zepto ran to me and looked up, concerned and confused. It didn’t seem to understand what I was worried about. Then the thing, still staring into my soul, swished forward in a rush, and I felt a force shove me down onto the floor. I fell back, and plopped down hard on the glass pieces on the kitchen floor. I gasped from the pain and shock, all the while with my heart juddering in fear. That was when Zepto growled. That thing looked surprised, and stared at Zepto. “No Zepto, run!” Zepto ignored my commands. Zepto continued to growl, a hair-raising sound that I had never heard her produce before, not around me. The thing took a step back, an odd look on its face. It took me a while to register it as hurt. It looked hurt. Zepto pounced forward, growling, snapping, snarling. It took a few steps back, away from me. Then it tilted its head and reached out its hand to Zepto, seeming to be appealing to her. Zepto snapped at its hand. It pulled away, shock on its features. Then it put its hand down, and lowered its head. And faded from sight. Still in shock, I just sat on the kitchen floor, bleeding in many places. Zepto ran up to me and started licking at my wounds. I had to lift her up and shuffle to the living room, to avoid having her cut her paws on the glass fragments. We sat together on the couch for a while as I bled, then I held Zepto close, and cried into her fur. Tears of both fear and gratitude. My friend drove over that night, and helped to clean and tend to my wounds. I didn’t say a world to her about what had happened, just that I had dropped my glass and fallen. But she seemed to sense my fear and that something was wrong. We stayed up the entire night, watching movies, with Zepto curled up between us on the couch. With Zepto laying her soft fuzzy head on my lap, my nerves began to unwind. I stroked her head gently, feeling even more love for her than before, something I hadn’t thought was possible. We’ve moved out of that apartment since. The very next day, I packed my essentials, Zepto’s food, toys, bowls and so on, and we got out of there. We stayed at a bed and breakfast for a week, until I found another apartment. I never went back to that apartment, just got movers to do the rest. I left that pet camera behind too. Somehow, it felt tainted. I got myself a brand new one, and set it up. It worked just fine. I hope to never have to leave Zepto home alone again, but life happens, and if I ever do, I’d be monitoring that camera the whole time. If need be, I've got a shoe cupboard filled with a plethora of freaky, spirit-warding stuff I found on the internet. We would protect each other, Zepto and I. submitted by /u/SignedSyledDelivered to r/nosleep [link] [comments]
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reddit.com |
SignedSyledDelivered |
Apr 3, 2022 |