Immediate Domestic Expenses

• Cut down your home loan
• Size down your home loan EMI to 75% of the rental income you get as 1st target.
• Get details from home loan bank for dues and plan to pay out

• Plan for YDV marriage and BDV Career
• YDV marriage cost can touch Rs. 30 lakhs

• Cut down your home size
• Have a smaller home during retirement, this will save time and money both and offer more free time to relax and rest.
• Live on house rental
• Plan to stay in VBHC Vaibhava while rent out Palmhaven,
• Plant to construct and rent out RM Nagar and Kormangala

• Relocate anywhere cheaper like Huliyurdurga 
• You can take care of plantation and goat farm as well

• Delay retirement with part time employment
• Plan any part time employment 

• Share housing and home maintenance cost
• Convert your rentals as boarding or PG to increase rentals

• Sell your car if it is difficult to drive and maintain
• If you feel risk to drive, then the best is a taxi

• Cut wasteful expenses
• Make use of cooperative hospitals
• Live with kids
• Prepare for death
• Use survivor benefits properly
• Apply for govt benefits
• Stay healthy 
• Take advantage of community charities
• Be Thrifty