Last year, in its last week, I ordered a coffee machine. I put that transaction on a no-cost EMI plan with my card vendor. 

That was the last EMI I setup on the card, or any of the cards I have. 

My new year’s resolution for 2021 was achieving financial independence. No more EMIs, pending card bills or similar credit items.

And I’m happy to write that I’ve successfully done it. It was hard, and tricky, especially considering I had no active source of income for about 3 months. 

Careful planning, tracking expenses using Pockity (something I’m building when I get some free time) and budgeting helped me get through the year. 

Looking forward to another year, and for as long as it takes for this to be become a habit. 

Nikhil Nigade @dezinezync