{"id":14001,"date":"2022-07-25T21:34:38","date_gmt":"2022-07-25T16:04:38","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=14001"},"modified":"2022-07-27T15:22:05","modified_gmt":"2022-07-27T09:52:05","slug":"getting-a-promotion-how-to-productively-utilize-the-excess-money","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/","title":{"rendered":"Getting a hike, promotion, or a raise? How to productively utilize the excess money?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d3c803afa1a\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d3c803afa1a\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/#Figuring_out_how_the_hike_would_affect_your_finances\" title=\"Figuring out how the hike would affect your finances\">Figuring out how the hike would affect your finances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/#Figuring_out_the_income_tax_situation\" title=\"Figuring out the income tax situation\">Figuring out the income tax situation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/#Sorting_out_your_basic_financial_goals\" title=\"Sorting out your basic financial goals\">Sorting out your basic financial goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/#Finding_out_your_lifestyle_goals\" title=\"Finding out your lifestyle goals\">Finding out your lifestyle goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/#Finding_out_a_balance_between_the_lifestyle_finance_upgrade_that_is_best_for_you\" title=\"Finding out a balance between the lifestyle &amp; finance upgrade that is best for you\">Finding out a balance between the lifestyle &amp; finance upgrade that is best for you<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">First things first, congratulations! You finally got that promotion you were eyeing for. You put in so much hard work to get that extra money, now it&#8217;s time to put money to work for you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In general, when you increase your income you immediately start increasing your expenditure and upgrading your lifestyle to match the increased income. But if you keep doing this all the time, you will always have just enough money to live paycheck to paycheck.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, instead of spending the extra money to get things that will only give you instant gratification, it is better to use that money towards making yourself financially secure in the long term.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how you can do it;<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Figuring_out_how_the_hike_would_affect_your_finances\"><\/span><b>Figuring out how the hike would affect your finances<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Firstly, you need to figure out how much your finances are getting affected by this hike. For example, if the hike is due to switching jobs in a different city or locality, you might need to figure out if the new area is cheaper or more expensive compared to your current living condition.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Similarly, if you are switching to the same city but to a different location, you need to figure out the difference in commute expenses. All of these are changes in your core monthly expenditure. This can be a positive or negative i.e the expenditure can be lesser or greater than what you are spending currently.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These are fixed expenditures and you need to account for them as indisposable income.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Figuring_out_the_income_tax_situation\"><\/span><b>Figuring out the income tax situation<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you have significantly increased your salary with the new hike, then you might have changed your tax bracket. This means that you need to figure out a strategy to save on taxes. You might need to increase your investments in tax-saving instruments. Some of these are: <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Equity Linked Saving Schemes (ELSS ) also known as tax-saving mutual funds. Watch<\/span><a href=\"https:\/\/www.youtube.com\/watch?v=dQx-4leOS_8\"><span style=\"font-weight: 400;\"> this video<\/span><\/a><span style=\"font-weight: 400;\"> to learn more about them.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">PPF<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mutual Funds<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Health Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Retirement &amp; pension schemes<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Life Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">EMIs of loans <\/span><\/li>\n<\/ul>\n<p>You can also calculate your income tax payable online at the<a href=\"https:\/\/www.incometaxindia.gov.in\/pages\/tools\/income-tax-calculator.aspx\"> income tax calculators<\/a> by the government of India.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Sorting_out_your_basic_financial_goals\"><\/span><b>Sorting out your basic financial goals<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is the next step, you need to figure out your basic financial goals. This means that you need to figure out some key points in what your ideal financial situation should look like. Some questions that you might want to ask yourselves are:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">How much should your emergency fund be?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Are you paying any EMIs? Will you benefit by increasing the amount for the same?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How much money would you require to live comfortably in your retirement?\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Do you plan on buying a house or a car or any other asset?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Do you plan on going on an expensive vacation?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Do you have or plan on having financial dependents and how much money would they require?\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Basically, you need to ask yourself all the relevant questions that will help you understand how much money you would need to live your life comfortably and achieve your financial goals.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Finding_out_your_lifestyle_goals\"><\/span><b>Finding out your lifestyle goals<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The lifestyle goal here does not mean that you start planning your walk-in closet or your dream car. This is for people who are currently living extremely below their means and might want to upgrade their lifestyle to live a little more comfortably. Some things to consider here would be,\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Is your current lifestyle exhaustive? Is your physical and mental health taken care of?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Are you tired of public transportation and would like transportation of your own?\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Is there anything that is hindering your day-to-day life which can be improved upon?\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It is very important to remember that the purpose of this exercise is to make your life comfortable and not luxurious. A PS5 is not going to be your lifestyle goal here.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Finding_out_a_balance_between_the_lifestyle_finance_upgrade_that_is_best_for_you\"><\/span><b>Finding out a balance between the lifestyle &amp; finance upgrade that is best for you<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Once you have your financial and lifestyle goals figured out. You need to allocate sufficient funds for the same. The total expenses of your lifestyle goals should still be comfortably below your means. Once you have that figured out, you can add it to your existing budget and you will have your monthly expenditure.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For your financial goals, you need to invest. You need to figure out if your current investments can meet these financial goals, if not, it&#8217;s time to increase your investments. You should keep in mind the<\/span><a href=\"https:\/\/kuvera.in\/blog\/6-smart-ways-to-save-money-from-salary\/\"><span style=\"font-weight: 400;\"> 50-30-20 rule.<\/span><\/a><span style=\"font-weight: 400;\"> So, 50% is allocated to your needs, 30% to wants, and 20% to investors. But you should always try to increase the investment part of the equation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is where you would need to do some financial analysis &amp; planning. Click <\/span><a href=\"https:\/\/kuvera.in\/blog\/what-is-financial-planning\/\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/kuvera.in\/blog\/importance-of-financial-planning\/\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\"> to know more about how to successfully plan your finances as per your requirements.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Long-term wealth creation gives you the freedom to choose the life you &amp; your loved ones want to live without having to constantly worry about finances. But this also requires a lot of careful planning, discipline, and consistent investment. You can learn more about long-term wealth creation strategies <\/span><a href=\"https:\/\/kuvera.in\/blog\/wealth-creation-meaning-importance-and-strategies\/\"><span style=\"font-weight: 400;\">here.<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a> Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<style>.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }<\/style>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/zqqZ-kEvx9U\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<div><\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a>\u00a0and\u00a0<strong><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> <\/strong>and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a> \u00a0 #MutualFundSahiHai #KuveraSabseSahiHai! #IPO<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>First things first, congratulations! You finally got that promotion you were eyeing for. You put in so much hard work to get that extra money, now it&#8217;s time to put money to work for you.\u00a0 In general, when you increase your income you immediately start increasing your expenditure and upgrading your lifestyle to match the [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":14002,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[593],"tags":[595,1253,997,96,993],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Getting-a-promotion?-How-to-productively-utilize-the-excess-money?<\/title>\n<meta name=\"description\" content=\"With careful planning, you can use the excess money to create a financially secure future and have the financial freedom to live the life you want.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Getting-a-promotion?-How-to-productively-utilize-the-excess-money?\" \/>\n<meta property=\"og:description\" content=\"With careful planning, you can use the excess money to create a financially secure future and have the financial freedom to live the life you want.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/\" \/>\n<meta property=\"og:site_name\" content=\"Kuvera\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kuvera.in\" \/>\n<meta property=\"article:published_time\" content=\"2022-07-25T16:04:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-27T09:52:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/cytonn-photography-n95VMLxqM2I-unsplash-1-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"4211\" \/>\n\t<meta property=\"og:image:height\" content=\"2811\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kuvera\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:site\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kuvera\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Getting-a-promotion?-How-to-productively-utilize-the-excess-money?","description":"With careful planning, you can use the excess money to create a financially secure future and have the financial freedom to live the life you want.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/","og_locale":"en_US","og_type":"article","og_title":"Getting-a-promotion?-How-to-productively-utilize-the-excess-money?","og_description":"With careful planning, you can use the excess money to create a financially secure future and have the financial freedom to live the life you want.","og_url":"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/","og_site_name":"Kuvera","article_publisher":"https:\/\/www.facebook.com\/kuvera.in","article_published_time":"2022-07-25T16:04:38+00:00","article_modified_time":"2022-07-27T09:52:05+00:00","og_image":[{"width":4211,"height":2811,"url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/cytonn-photography-n95VMLxqM2I-unsplash-1-1.jpg","type":"image\/jpeg"}],"author":"Kuvera","twitter_card":"summary_large_image","twitter_creator":"@Kuvera_In","twitter_site":"@Kuvera_In","twitter_misc":{"Written by":"Kuvera","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/#article","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/getting-a-promotion-how-to-productively-utilize-the-excess-money\/"},"author":{"name":"Kuvera","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/6b774e7d3516942b9e0242c93d7cb307"},"headline":"Getting a hike, promotion, or a raise? 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