A 25-year-old product supervisor from Gurugram has triggered a dialog on-line after sharing an in depth breakdown of his monthly expenses in a viral Instagram reel. The video, posted by Shivank Goel, struck a chord with many younger professionals navigating the rising value of residing in India’s metro cities.
Within the now-viral clip, Shivank candidly explains how almost ₹90,000 disappeared from his account in only one month — regardless of what he described as a comparatively easy life-style.
“This is how a lot cash I spent in a month as a 25 yr outdated product supervisor residing alone in Gurgaon,” he mentioned within the video.
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A 25-year-old product supervisor in Gurugram shared a month-to-month expense breakdown totaling ₹90,000. This included lease, family bills, utilities, groceries, investments, a visit, and miscellaneous spending.
The product supervisor within the article pays ₹18,000 per 30 days for a 2BHK house in Gurugram, which he thought-about a great deal for town. One other couple in Gurugram pays ₹37,000 per 30 days for a semi-furnished 2BHK house together with upkeep.
A working couple in Gurugram reported month-to-month bills starting from ₹75,000 to ₹80,000. This included lease, upkeep, automotive fueling, utilities, procuring, and consuming out.
A typical budgeting strategy is the 50/30/20 rule, allocating 50% to necessities like lease and utilities, 30% to life-style spending, and 20% to financial savings and investments like SIPs and emergency funds.
Insurance coverage premiums, together with well being and time period insurance coverage, are essential for monetary planning. Allocating funds for them ensures that sudden occasions do not derail monetary targets and offers safety for dependents.
In response to Shivank, he lives alone in a 2BHK house in Gurgaon and pays ₹18,000 as lease, which he described as “actually, a steal for this metropolis.”
He added that family bills got here to ₹2,000, whereas electrical energy value him one other ₹1,000. Web subscriptions, Wi-Fi and cellphone payments collectively averaged round ₹3,000 each month.
‘I Survive On Workplace Meals And Cabs’
One a part of the video that particularly caught the web’s consideration was his declare that he spends virtually nothing on every day commute and meals as a result of his office covers each.
“Commute and meals, zero as a result of I survive on workplace meals and cabs,” Shivank mentioned, earlier than jokingly including, “There is a motive I romanticise my 9-5.”
Aside from necessities, he mentioned he spent round ₹5,000 on groceries and protein powder. He additionally revealed that he invests ₹20,000 each month via SIPs (Systematic Funding Plans).
“I additionally make investments 20K in SIPs as a result of I am unable to be trusted with idle cash in my account,” he mentioned.
Nevertheless, the largest dent in his funds got here from a visit that value him ₹30,000.
“Now following is the place issues get questionable. I went on a visit that value 30K. The journey was nice. I used to be not after I noticed the financial institution assertion,” he joked.
He additional revealed that one other ₹10,000 went into miscellaneous bills, together with laundry, procuring and “random 2AM Amazon orders.”
Summing all of it up, Shivank mentioned his “complete pockets injury” for the month stood at ₹90,000.
“What is horrifying is as a result of I do not exit, I do not get together and I’ve no costly hobbies. However I assume adulting in these huge cities is only one lengthy invoice,” he concluded.
Within the caption accompanying the video, he wrote, “I attempted to trace my bills…now I remorse having consciousness💸”
“Right here’s how a lot I spent on this month as a product supervisor residing alone in Gurgaon,” he added.
Web Reacts
The reel shortly gained traction on-line, with social media customers debating whether or not the spending was relatable, extreme or just reflective of life in a metropolis like Gurgaon.
One person questioned the necessity for such excessive bills and advised a less expensive various.
“Isn’t this further round invoice….. simply dwell in pg bro hardly 25k for a month together with month-to-month bills 10k by hand …. Y spending 90k simply suggesting,” the remark learn.
One other person identified that even with workplace meals and transport lined, the full quantity nonetheless appeared excessive.
“Scary half was 90k after doing cabs and meals from workplace,” the person wrote.
Others, nonetheless, have been extra stunned by the comparatively low lease and utility prices.
“Price for Home assist and electrical energy in Gurgaon climate can be steal alongside lease,” one individual commented.
A distinct person appeared shocked on the lease determine itself and wrote, “Broooo the place did u get 2 bhk rental home at 18,000 in gurgoan😭. Stunning, particulars pls😂”
Some customers additionally debated whether or not investments must be counted as bills in any respect.
“You’ll be able to’t add 20k SIP in your bills, it is an funding,” one other remark learn.
In the meantime, one line from Shivank’s video appeared to resonate strongly with many viewers.
“Felt it once you mentioned, ‘can’t be trusted with Idle cash in account,’” a person wrote.
The viral reel has as soon as once more highlighted the rising dialog round city residing prices, spending habits and monetary pressures confronted by younger professionals in India’s largest cities.
