Post Mortem

Journeys and memories

By Nagaland Post | Publish Date: 1/25/2021 12:24:10 PM IST

 (Synopsis: Tips for those couples who are tying the knot this season.)

Those of us who are in our 40s and above will have some good memories of travelling in train. Those days, to reach Delhi, it took us a full two days. To Mumbai, three, and to Bengaluru, more. Journeys by themselves are events in which you gather maximum memories. The hostile arrangement of seats and space-grabbing for bags would quickly turn to food sharing and friendship, which sometimes lasted even after a journey ended.
Few years ago, my wife gifted me a DSLR camera and I started taking it to the places I travelled. But when I returned I realised that my memories of those journeys are quite vague. I thought about it and realised that when I was busy taking the best shot through my lenses, my other senses re-mained numb. I failed to sink in to those moments and gathered only half-hearted memories. Later on, my DSLR stayed either in my backpack or mostly in the hotel rooms. I got back my senses and now I can remember the places with their smells, sounds and tastes, in perfect order, in my memo-ries.
One of the biggest regrets in my life is not going for a honeymoon right after our marriage some 20 years ago. After the wedding and by the end of endless dinner invitations by friends and relatives, that trip was pushed back and it stayed in a cold storage, never to be opened. So here I am, in my mid-forties, telling all you couples tying the knot this season, to travel together with your spouse and start making memories. Because you only make memories doing things together and the best thing to do together is to travel together, not watching Netflix at home.
The very first thing to do is to make a budget. I am sure due to the pandemic protocol, you have saved some money from your reception. And I am also sure that because of the pandemic, you will get some good deals. But deal or no deal, first make a budget and get started. Both partners should contribute to this and actively get engaged in taking decisions. Honeymoon should be a part of your entire wedding plan, not based on leftover funds and energy.
Although the current trend is “Only Blessings, No Gifts”, you know that your closest friends and family will give you something. It is okay to be open with them and ask for cash instead. This will help you mitigate your wedding expenses, and help you add to your honeymoon expenses. From the givers’ prospective also, it is better to gift something that the newlyweds really need, instead of im-posing your choice on them.
You do have another funding option by way of taking a personal loan from your bank for your ho-neymoon. For pre-approved customers, personal loans are approved in a matter of minutes nowa-days. For your repayment, you can choose a fixed or floating rate of interest. For a loan of one lakh, the EMI is Rs. 2162 in the longest possible tenure available for personal loan.
Using your credit card is the least advisable option. If used, it is an option to be used with utmost caution as the interest on a credit card is extremely high. But if you know that you can repay your expenses within the interest-free 45 days, it is a viable option. Check your options and maybe use it as a top-up to your fund in extreme cases.
As the Equity Market is at its peak, redeeming a few Equity mutual funds is also a good idea. After all, your investments are for your own use and if you can make the best memories with it, why not use it. But do talk to your financial advisor for further guidance.
Dipankar Jakharia

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