This post has been self-published on Youth Ki Awaaz by Geetika Bakshi. Just like them, anyone can publish on Youth Ki Awaaz.

I didn’t learn lessons of savings in my mother’s womb.

More from Geetika Bakshi

First job, special for everyone. Family like mine, job is an extremely high achievement be it a BPO. Yes, my first job was in BPO, but salary was bit high others as I was working there as a French speaking Customer care executive. Far from good, have you ever seen someone so desperate to enjoy his/her life. Papa was a government servant, not earning a handsome salary but enough to fulfil our meagre needs. In his salary I learnt the difference between demand and needs!

It was some nine years back. God’s swear if the way I invest now, I would have at least 10 lakhs in my savings. As my experiences taught me saving in compounding. I’ll tell everything in detail.

First of all, I am no commerce graduate or accounts background that I would know how these things should be done. I am my own teacher. Though took commerce with maths in 12th and then switched to English (HONS). as you can see I’m writing so how bad would be my practical. Jokes apart!

I was standing at Pantaloons before my first salary got credited and my first shopping bill was 11,700/-. You could imagine the spark and tashan of paying that bill.

Ma’am cash or card?

Card Bhaiya, the way I gave the card was amazing!

That day wasn’t the first. My dad never allowed me going out with friends on trips so, until he allowed me I satisfied myself with clothes and shoes. Never had urge of accessories. South-Ex was my favourite spot.

Brands I never seen when Papa used to shop for me. Each moth one expensive thing and few cheap. Hence, this is actually in my blood.

“Never put all your eggs in one basket”.

The scenario rolls till two years, I got job in a school as a French language teacher. I asked for my “first ever trip”. As papa thinks teachers hai ache ladkiya hongi. He allowed me for my first trip. That trip was every kharcha would split. So, off season, chose destination offering huge discounts and books my first 5 star property. Another milestone. Khud ki kamai and 5 star stay. Nothing beats that!

Time goes and my habit never changed. Just after enjoying I decided to make my parents also happy. When they asked to get married, my point was first I’ll invest in me.

First car, good clothes, good food, shopping but if sometimes I have 50,000 in my accounts it seems I am the richest woman on the planet until it’s spent! After satisfying myself I started spending on my parents. dInner in 5 stars as mother once said “I never saw a 5 star hotel”. Short 1 day trips, long drives, making memories.

Month end and “karki” old friends but I never asked a single penny from parents since I started earning.

Like any Gen X or Y I had a serious fight with Dad in which momma also supported dad. All alone, I switched the job. Due to impulsive nature I didn’t serve notice period hence surrender 1 month salary. Now, how will you survive was the question but ego is too high.

“Ego” is a three letter word which overtakes the 12 letter word “Relationship”.  I didn’t ask. Now, was the time god thought of giving me the lesson of my life. My exam date came. I had to travel to Chandigarh for the same. I always kept few lessons from dad in mind.

Never borrow money. Borrowing is additive at times.

I had 3500/- in my account. Out of which I booked RED Bus for 500 Rs. And due to new job I could not catch the same and had to another for 700/- after that I was left with 2,300/- only. 900 Rs on the spot OYO. Rs. 1400/- left. There, dinner, breakfast, lunch, coffee etc. which I tried least possible expense. Had 900 left. 500, booked bus for return, left with 400 and still have 1 week left for salary to come. I had thoughts like many what ifs? From accident to medical emergency, from safety to what not?

I decided to block a certain amount of monthly salary which can be used in situation like these, but experiences are really important. I wanted to double my money and opened Demat account and bought shared for 11500/- which due to no knowledge to withdrew 7500/-. God at the right time, else this would have gone too!

Then I found SIPs. I started monthly 2500 for 1 year which later I made it for 4000 by putting small amount of 500 and 1000 in different funds for next 1 year. By the end of second year I had 78,000 plus interest, from which I started an annual investment of 30,000 separately and 5,000 monthly separately. The yearly one is money back in compounding in itself. Few funds are tax savings. Now after marriage if I get few notes from somewhere I too use my mothers trick in hiding it in secretive places.

So from zero to in next four years I have money which doesn’t pinch me and it is just I didn’t spent it recklessly.

It’s evident I didn’t learn lessons of savings from my mother’s womb!

Youth Ki Awaaz is an open platform where anybody can publish. This post does not necessarily represent the platform's views and opinions.

You must be to comment.

More from Geetika Bakshi

Similar Posts

By Zahid Azeem

By sweekriti sethi

By Naina Agarwal

    If you do not receive an email within the next 5 mins, please check your spam box or email us at

      If you do not receive an email within the next 5 mins, please check your spam box or email us at

        If you do not receive an email within the next 5 mins, please check your spam box or email us at

        Wondering what to write about?

        Here are some topics to get you started

        Share your details to download the report.

        We promise not to spam or send irrelevant information.

        Share your details to download the report.

        We promise not to spam or send irrelevant information.

        An ambassador and trained facilitator under Eco Femme (a social enterprise working towards menstrual health in south India), Sanjina is also an active member of the MHM Collective- India and Menstrual Health Alliance- India. She has conducted Menstrual Health sessions in multiple government schools adopted by Rotary District 3240 as part of their WinS project in rural Bengal. She has also delivered training of trainers on SRHR, gender, sexuality and Menstruation for Tomorrow’s Foundation, Vikramshila Education Resource Society, Nirdhan trust and Micro Finance, Tollygunj Women In Need, Paint It Red in Kolkata.

        Now as an MH Fellow with YKA, she’s expanding her impressive scope of work further by launching a campaign to facilitate the process of ensuring better menstrual health and SRH services for women residing in correctional homes in West Bengal. The campaign will entail an independent study to take stalk of the present conditions of MHM in correctional homes across the state and use its findings to build public support and political will to take the necessary action.

        Saurabh has been associated with YKA as a user and has consistently been writing on the issue MHM and its intersectionality with other issues in the society. Now as an MHM Fellow with YKA, he’s launched the Right to Period campaign, which aims to ensure proper execution of MHM guidelines in Delhi’s schools.

        The long-term aim of the campaign is to develop an open culture where menstruation is not treated as a taboo. The campaign also seeks to hold the schools accountable for their responsibilities as an important component in the implementation of MHM policies by making adequate sanitation infrastructure and knowledge of MHM available in school premises.

        Read more about his campaign.

        Harshita is a psychologist and works to support people with mental health issues, particularly adolescents who are survivors of violence. Associated with the Azadi Foundation in UP, Harshita became an MHM Fellow with YKA, with the aim of promoting better menstrual health.

        Her campaign #MeriMarzi aims to promote menstrual health and wellness, hygiene and facilities for female sex workers in UP. She says, “Knowledge about natural body processes is a very basic human right. And for individuals whose occupation is providing sexual services, it becomes even more important.”

        Meri Marzi aims to ensure sensitised, non-discriminatory health workers for the needs of female sex workers in the Suraksha Clinics under the UPSACS (Uttar Pradesh State AIDS Control Society) program by creating more dialogues and garnering public support for the cause of sex workers’ menstrual rights. The campaign will also ensure interventions with sex workers to clear misconceptions around overall hygiene management to ensure that results flow both ways.

        Read more about her campaign.

        MH Fellow Sabna comes with significant experience working with a range of development issues. A co-founder of Project Sakhi Saheli, which aims to combat period poverty and break menstrual taboos, Sabna has, in the past, worked on the issue of menstruation in urban slums of Delhi with women and adolescent girls. She and her team also released MenstraBook, with menstrastories and organised Menstra Tlk in the Delhi School of Social Work to create more conversations on menstruation.

        With YKA MHM Fellow Vineet, Sabna launched Menstratalk, a campaign that aims to put an end to period poverty and smash menstrual taboos in society. As a start, the campaign aims to begin conversations on menstrual health with five hundred adolescents and youth in Delhi through offline platforms, and through this community mobilise support to create Period Friendly Institutions out of educational institutes in the city.

        Read more about her campaign. 

        A student from Delhi School of Social work, Vineet is a part of Project Sakhi Saheli, an initiative by the students of Delhi school of Social Work to create awareness on Menstrual Health and combat Period Poverty. Along with MHM Action Fellow Sabna, Vineet launched Menstratalk, a campaign that aims to put an end to period poverty and smash menstrual taboos in society.

        As a start, the campaign aims to begin conversations on menstrual health with five hundred adolescents and youth in Delhi through offline platforms, and through this community mobilise support to create Period Friendly Institutions out of educational institutes in the city.

        Find out more about the campaign here.

        A native of Bhagalpur district – Bihar, Shalini Jha believes in equal rights for all genders and wants to work for a gender-equal and just society. In the past she’s had a year-long association as a community leader with Haiyya: Organise for Action’s Health Over Stigma campaign. She’s pursuing a Master’s in Literature with Ambedkar University, Delhi and as an MHM Fellow with YKA, recently launched ‘Project अल्हड़ (Alharh)’.

        She says, “Bihar is ranked the lowest in India’s SDG Index 2019 for India. Hygienic and comfortable menstruation is a basic human right and sustainable development cannot be ensured if menstruators are deprived of their basic rights.” Project अल्हड़ (Alharh) aims to create a robust sensitised community in Bhagalpur to collectively spread awareness, break the taboo, debunk myths and initiate fearless conversations around menstruation. The campaign aims to reach at least 6000 adolescent girls from government and private schools in Baghalpur district in 2020.

        Read more about the campaign here.

        A psychologist and co-founder of a mental health NGO called Customize Cognition, Ritika forayed into the space of menstrual health and hygiene, sexual and reproductive healthcare and rights and gender equality as an MHM Fellow with YKA. She says, “The experience of working on MHM/SRHR and gender equality has been an enriching and eye-opening experience. I have learned what’s beneath the surface of the issue, be it awareness, lack of resources or disregard for trans men, who also menstruate.”

        The Transmen-ses campaign aims to tackle the issue of silence and disregard for trans men’s menstruation needs, by mobilising gender sensitive health professionals and gender neutral restrooms in Lucknow.

        Read more about the campaign here.

        A Computer Science engineer by education, Nitisha started her career in the corporate sector, before realising she wanted to work in the development and social justice space. Since then, she has worked with Teach For India and Care India and is from the founding batch of Indian School of Development Management (ISDM), a one of its kind organisation creating leaders for the development sector through its experiential learning post graduate program.

        As a Youth Ki Awaaz Menstrual Health Fellow, Nitisha has started Let’s Talk Period, a campaign to mobilise young people to switch to sustainable period products. She says, “80 lakh women in Delhi use non-biodegradable sanitary products, generate 3000 tonnes of menstrual waste, that takes 500-800 years to decompose; which in turn contributes to the health issues of all menstruators, increased burden of waste management on the city and harmful living environment for all citizens.

        Let’s Talk Period aims to change this by

        Find out more about her campaign here.

        Share your details to download the report.

        We promise not to spam or send irrelevant information.

        A former Assistant Secretary with the Ministry of Women and Child Development in West Bengal for three months, Lakshmi Bhavya has been championing the cause of menstrual hygiene in her district. By associating herself with the Lalana Campaign, a holistic menstrual hygiene awareness campaign which is conducted by the Anahat NGO, Lakshmi has been slowly breaking taboos when it comes to periods and menstrual hygiene.

        A Gender Rights Activist working with the tribal and marginalized communities in india, Srilekha is a PhD scholar working on understanding body and sexuality among tribal girls, to fill the gaps in research around indigenous women and their stories. Srilekha has worked extensively at the grassroots level with community based organisations, through several advocacy initiatives around Gender, Mental Health, Menstrual Hygiene and Sexual and Reproductive Health Rights (SRHR) for the indigenous in Jharkhand, over the last 6 years.

        Srilekha has also contributed to sustainable livelihood projects and legal aid programs for survivors of sex trafficking. She has been conducting research based programs on maternal health, mental health, gender based violence, sex and sexuality. Her interest lies in conducting workshops for young people on life skills, feminism, gender and sexuality, trauma, resilience and interpersonal relationships.

        A Guwahati-based college student pursuing her Masters in Tata Institute of Social Sciences, Bidisha started the #BleedwithDignity campaign on the technology platform, demanding that the Government of Assam install
        biodegradable sanitary pad vending machines in all government schools across the state. Her petition on has already gathered support from over 90000 people and continues to grow.

        Bidisha was selected in’s flagship program ‘She Creates Change’ having run successful online advocacy
        campaigns, which were widely recognised. Through the #BleedwithDignity campaign; she organised and celebrated World Menstrual Hygiene Day, 2019 in Guwahati, Assam by hosting a wall mural by collaborating with local organisations. The initiative was widely covered by national and local media, and the mural was later inaugurated by the event’s chief guest Commissioner of Guwahati Municipal Corporation (GMC) Debeswar Malakar, IAS.

        Sign up for the Youth Ki Awaaz Prime Ministerial Brief below