Gaurav Kumar moved to Dubai from India in 2021 to maximise his savings and benefit from tax-free income.
Although he earned well in India, he had less disposable income to save for his family and his future. After moving to Dubai and despite securing high-paying jobs, he has been living alone to maximise his savings.
Now that he has finished paying off his home loan, Mr Kumar, 42, plans to bring his his mother, wife and two children to live in the UAE.
He works as the head of issuing at a Dubai-based payments company and was formerly employed by another FinTech company in the UAE for more than three years, where the job involved the launch of global payment solutions. He found his current job through a referral.
Mr Kumar, who lives in Al Barsha, was born and raised in the eastern Indian state of Bihar, but had lived in Mumbai since 2006. He completed his master’s degree in management studies from Mumbai University.
What was your first job and salary?
It was with a leading Indian bank as a management trainee and I earned 15,000 Indian rupees ($173) a month.
Tell us about your current role. What is your salary now?
I am a digital payments specialist with expertise in launching payment solutions on a global scale. My focus is on driving cashless transactions through the issuance of various card types and value-added services such as Apple Pay, Google Pay and contactless technology.
On the acceptance side, I have experience with point-of-sale terminals and payment gateways, which are used by major e-commerce platforms like Amazon and Noon.
My current monthly salary is in the range of Dh35,000 to Dh40,000.
Do you have considerable savings?
Yes. I try to minimise costs wherever possible to increase my savings.
What asset classes do you invest in?
I had an Indian home loan that I paid off a couple of months ago. I will actively start investing and creating my portfolio now.
Earlier with my savings, I was focused on paying off my housing loan and investing the rest in stocks and mutual funds.
Have you purchased property in your home country? For how much?
Yes, I own a three-bedroom apartment in Thane, a suburb of Mumbai. It cost me 16.5 million rupees ($200,000).
Do you have any debt?
I have a few credit cards in the UAE and a few in India. I come from a middle-class family, which instilled in me the importance of having zero debt and never going over the budget.
Growing up, were you taught how to handle your finances?
Growing up, my parents always emphasised the importance of saving for rainy days. They used to tell me: “If someone is fishing but not saving any of their catch, it’s as if they aren't fishing at all.” They instilled in me the habit of dividing my income into four key areas:
1. Paying off any debts, if applicable
2. Covering monthly expenses
3. Setting aside an emergency fund for unexpected situations
4. Saving for future goals, such as buying a house, car, or even fulfilling dreams such as travelling to exotic destinations.
What are your major monthly expenses?
In the UAE, it is house rent and monthly utility bills. In India, it is household expenses (such as groceries, house maintenance and utility bills) and children’s education fees.
How do you budget your salary every month?
I create a budget by categorising my expenses into fixed and variable. Fixed expenses include things such as housing rent and utility bills.
Over the past two to three years, I had very little disposable income as most of it went towards servicing my home loan in India
Gaurav Kumar
For variable expenses, I set a specific budget to manage costs such as food and dining. I typically cook at home and only go out occasionally, so my expenses in this area are usually well within the budget I set.
Since I currently live alone, I adjust my monthly budget during family visits, especially during holidays, to ensure they have an enjoyable time in Dubai.
Have you started saving for retirement?
Yes, I have started investing in mutual funds, banking and consumer stocks, exchange-traded funds and a pension scheme. I will increase the monthly savings now that I am debt-free. I plan to retire at 55 and pursue a PhD to take up teaching.
Do you have an emergency fund?
Yes, I have already established a pool fund in India and plan to create one in the UAE as well. Now that I am debt-free, I intend to increase my contributions to both funds.
What do you spend your disposable income on?
Over the past two to three years, I had very little disposable income as most of it went towards servicing my home loan in India. However, any savings, along with my annual bonus and increments, were typically spent on travelling, which is a passion of mine.
I've been fortunate to visit nearly all of the UAE's neighbouring countries, and last year, I finally ticked off my dream destination – Europe.
Do you worry about money?
Not really, as I believe that with proper planning, it should not have a significant impact. I avoid overspending and am quick to adapt to my current circumstances.
What are your best money saving hacks to offset inflation?
Don't spend every penny you earn. Always set aside a portion as an emergency fund to cover unexpected expenses or lean periods. When costs rise or money runs low, adjust accordingly, or dip into the emergency fund as needed.
What are your financial goals?
My short-term goal is to begin building and growing my investment portfolio (while managing expenses for myself and family – including both fixed and for planning for travel), with the aim of achieving my long-term goal: generating passive income through investments in stocks, mutual funds and real estate.
What is your idea of financial freedom?
My goal is to be stress-free and financially self-sufficient, with emergency funds in place to cover day-to-day expenses and be prepared for unexpected situations, such as health issues or other emergencies.
Do you earn passive income?
No, I'm not allowed to have a second source of income due to my company's policy. However, on a voluntary basis, I conduct guest lectures and sessions at colleges and corporates on topics like digital payments (overview and career opportunities), personal branding and corporate expectations.
While I don’t accept payment for these sessions, I am usually offered books or mementos as a gesture of appreciation. I plan to pursue teaching full time once I retire from corporate life.
Do you want to be featured in My Salary, a weekly column that explores how people around the world manage their earnings? Write to pf@thenationalnews.com to share your story
The five pillars of Islam
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Did you know?
Brunch has been around, is some form or another, for more than a century. The word was first mentioned in print in an 1895 edition of Hunter’s Weekly, after making the rounds among university students in Britain. The article, entitled Brunch: A Plea, argued the case for a later, more sociable weekend meal. “By eliminating the need to get up early on Sunday, brunch would make life brighter for Saturday night carousers. It would promote human happiness in other ways as well,” the piece read. “It is talk-compelling. It puts you in a good temper, it makes you satisfied with yourself and your fellow beings, it sweeps away the worries and cobwebs of the week.” More than 100 years later, author Guy Beringer’s words still ring true, especially in the UAE, where brunches are often used to mark special, sociable occasions.
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BMW M5 specs
Engine: 4.4-litre twin-turbo V-8 petrol enging with additional electric motor
Power: 727hp
Torque: 1,000Nm
Transmission: 8-speed auto
Fuel consumption: 10.6L/100km
On sale: Now
Price: From Dh650,000
MEYDAN%20RACECARD
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Killing of Qassem Suleimani
Should late investors consider cryptocurrencies?
Wealth managers recommend late investors to have a balanced portfolio that typically includes traditional assets such as cash, government and corporate bonds, equities, commodities and commercial property.
They do not usually recommend investing in Bitcoin or other cryptocurrencies due to the risk and volatility associated with them.
“It has produced eye-watering returns for some, whereas others have lost substantially as this has all depended purely on timing and when the buy-in was. If someone still has about 20 to 25 years until retirement, there isn’t any need to take such risks,” Rupert Connor of Abacus Financial Consultant says.
He adds that if a person is interested in owning a business or growing a property portfolio to increase their retirement income, this can be encouraged provided they keep in mind the overall risk profile of these assets.
KILLING OF QASSEM SULEIMANI
Pakistan World Cup squad
Sarfraz Ahmed (c), Fakhar Zaman, Imam-ul-Haq, Abid Ali, Babar Azam, Haris Sohail, Shoaib Malik, Mohammad Hafeez(subject to fitness), Imad Wasim, Shadab Khan, Hasan Ali, Faheem Ashraf, Junaid Khan, Shaheen Shah Afridi, Mohammad Hasnain
Two additions for England ODIs: Mohammad Amir and Asif Ali
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Killing of Qassem Suleimani
Dubai Creek Open in numbers
- The Dubai Creek Open is the 10th tournament on this year's Mena Tour
- It is the first of five events before the season-concluding Mena Tour Championship
- This week's field comprises 120 players, 21 of which are amateurs
- 15 previous Mena Tour winners are competing at Dubai Creek Golf and Yacht Club
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Mohammed bin Zayed Majlis
The years Ramadan fell in May
Key facilities
- Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
- Premier League-standard football pitch
- 400m Olympic running track
- NBA-spec basketball court with auditorium
- 600-seat auditorium
- Spaces for historical and cultural exploration
- An elevated football field that doubles as a helipad
- Specialist robotics and science laboratories
- AR and VR-enabled learning centres
- Disruption Lab and Research Centre for developing entrepreneurial skills
Killing of Qassem Suleimani
'My Son'
Director: Christian Carion
Starring: James McAvoy, Claire Foy, Tom Cullen, Gary Lewis
Rating: 2/5
The studios taking part (so far)
- Punch
- Vogue Fitness
- Sweat
- Bodytree Studio
- The Hot House
- The Room
- Inspire Sports (Ladies Only)
- Cryo
Mohammed bin Zayed Majlis
The years Ramadan fell in May
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Zayed Sustainability Prize
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SPECS
Mini John Cooper Works Clubman and Mini John Cooper Works Countryman
Engine: two-litre 4-cylinder turbo
Transmission: nine-speed automatic
Power: 306hp
Torque: 450Nm
Price: JCW Clubman, Dh220,500; JCW Countryman, Dh225,500
The five pillars of Islam
1. Fasting
2. Prayer
3. Hajj
4. Shahada
5. Zakat
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LILO & STITCH
Starring: Sydney Elizebeth Agudong, Maia Kealoha, Chris Sanders
Director: Dean Fleischer Camp
Rating: 4.5/5
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if you go
The flights
Etihad, Emirates and Singapore Airlines fly direct from the UAE to Singapore from Dh2,265 return including taxes. The flight takes about 7 hours.
The hotel
Rooms at the M Social Singapore cost from SG $179 (Dh488) per night including taxes.
The tour
Makan Makan Walking group tours costs from SG $90 (Dh245) per person for about three hours. Tailor-made tours can be arranged. For details go to www.woknstroll.com.sg
MATCH INFO
Uefa Champions League semi-final, first leg
Bayern Munich v Real Madrid
When: April 25, 10.45pm kick-off (UAE)
Where: Allianz Arena, Munich
Live: BeIN Sports HD
Second leg: May 1, Santiago Bernabeu, Madrid
Ticket prices
General admission Dh295 (under-three free)
Buy a four-person Family & Friends ticket and pay for only three tickets, so the fourth family member is free
Buy tickets at: wbworldabudhabi.com/en/tickets
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Six large-scale objects on show
- Concrete wall and windows from the now demolished Robin Hood Gardens housing estate in Poplar
- The 17th Century Agra Colonnade, from the bathhouse of the fort of Agra in India
- A stagecloth for The Ballet Russes that is 10m high – the largest Picasso in the world
- Frank Lloyd Wright’s 1930s Kaufmann Office
- A full-scale Frankfurt Kitchen designed by Margarete Schütte-Lihotzky, which transformed kitchen design in the 20th century
- Torrijos Palace dome
Profile box
Company name: baraka
Started: July 2020
Founders: Feras Jalbout and Kunal Taneja
Based: Dubai and Bahrain
Sector: FinTech
Initial investment: $150,000
Current staff: 12
Stage: Pre-seed capital raising of $1 million
Investors: Class 5 Global, FJ Labs, IMO Ventures, The Community Fund, VentureSouq, Fox Ventures, Dr Abdulla Elyas (private investment)
Oppenheimer
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Killing of Qassem Suleimani
UAE currency: the story behind the money in your pockets
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Race card
6.30pm: Handicap (TB) $68,000 (Dirt) 1,200m
7.05pm: Meydan Cup – Listed Handicap (TB) $88,000 (Turf) 2,810m
7.40pm: UAE 2000 Guineas – Group 3 (TB) $125,000 (D) 1,600m
8.15pm: Firebreak Stakes – Group 3 (TB) $130,000 (D) 1,600m
9.50pm: Meydan Classic – Conditions (TB) $$50,000 (T) 1,400m
9.25pm: Dubai Sprint – Listed Handicap (TB) $88,000 (T) 1,200m
Zayed Sustainability Prize
Read more about the coronavirus
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About Karol Nawrocki
• Supports military aid for Ukraine, unlike other eurosceptic leaders, but he will oppose its membership in western alliances.
• A nationalist, his campaign slogan was Poland First. "Let's help others, but let's take care of our own citizens first," he said on social media in April.
• Cultivates tough-guy image, posting videos of himself at shooting ranges and in boxing rings.
• Met Donald Trump at the White House and received his backing.
COMPANY PROFILE
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Total funding: Self funded
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Mohammed bin Zayed Majlis
Sholto Byrnes on Myanmar politics
Indoor cricket World Cup:
Insportz, Dubai, September 16-23
UAE fixtures:
Men
Saturday, September 16 – 1.45pm, v New Zealand
Sunday, September 17 – 10.30am, v Australia; 3.45pm, v South Africa
Monday, September 18 – 2pm, v England; 7.15pm, v India
Tuesday, September 19 – 12.15pm, v Singapore; 5.30pm, v Sri Lanka
Thursday, September 21 – 2pm v Malaysia
Friday, September 22 – 3.30pm, semi-final
Saturday, September 23 – 3pm, grand final
Women
Saturday, September 16 – 5.15pm, v Australia
Sunday, September 17 – 2pm, v South Africa; 7.15pm, v New Zealand
Monday, September 18 – 5.30pm, v England
Tuesday, September 19 – 10.30am, v New Zealand; 3.45pm, v South Africa
Thursday, September 21 – 12.15pm, v Australia
Friday, September 22 – 1.30pm, semi-final
Saturday, September 23 – 1pm, grand final
MOUNTAINHEAD REVIEW
Starring: Ramy Youssef, Steve Carell, Jason Schwartzman
Director: Jesse Armstrong
Rating: 3.5/5
UAE v Gibraltar
What: International friendly
When: 7pm kick off
Where: Rugby Park, Dubai Sports City
Admission: Free
Online: The match will be broadcast live on Dubai Exiles’ Facebook page
UAE squad: Lucas Waddington (Dubai Exiles), Gio Fourie (Exiles), Craig Nutt (Abu Dhabi Harlequins), Phil Brady (Harlequins), Daniel Perry (Dubai Hurricanes), Esekaia Dranibota (Harlequins), Matt Mills (Exiles), Jaen Botes (Exiles), Kristian Stinson (Exiles), Murray Reason (Abu Dhabi Saracens), Dave Knight (Hurricanes), Ross Samson (Jebel Ali Dragons), DuRandt Gerber (Exiles), Saki Naisau (Dragons), Andrew Powell (Hurricanes), Emosi Vacanau (Harlequins), Niko Volavola (Dragons), Matt Richards (Dragons), Luke Stevenson (Harlequins), Josh Ives (Dubai Sports City Eagles), Sean Stevens (Saracens), Thinus Steyn (Exiles)
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Cryopreservation: A timeline
- Keyhole surgery under general anaesthetic
- Ovarian tissue surgically removed
- Tissue processed in a high-tech facility
- Tissue re-implanted at a time of the patient’s choosing
- Full hormone production regained within 4-6 months
KILLING OF QASSEM SULEIMANI
Countdown to Zero exhibition will show how disease can be beaten
Countdown to Zero: Defeating Disease, an international multimedia exhibition created by the American Museum of National History in collaboration with The Carter Center, will open in Abu Dhabi a month before Reaching the Last Mile.
Opening on October 15 and running until November 15, the free exhibition opens at The Galleria mall on Al Maryah Island, and has already been seen at the Jimmy Carter Presidential Library and Museum in Atlanta, the American Museum of Natural History in New York, and the London School of Hygiene and Tropical Medicine.
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A Dog's Journey
Directed by: Gail Mancuso
Starring: Dennis Quaid, Josh Gad, Marg Helgenberger, Betty Gilpin, Kathryn Prescott
3 out of 5 stars
Killing of Qassem Suleimani
Our legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants
Killing of Qassem Suleimani
Ramy%3A%20Season%203%2C%20Episode%201
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WOMAN AND CHILD
Director: Saeed Roustaee
Starring: Parinaz Izadyar, Payman Maadi
Rating: 4/5
UK-EU trade at a glance
EU fishing vessels guaranteed access to UK waters for 12 years
Co-operation on security initiatives and procurement of defence products
Youth experience scheme to work, study or volunteer in UK and EU countries
Smoother border management with use of e-gates
Cutting red tape on import and export of food
SPECS
%3Cp%3E%3Cstrong%3EEngine%3A%3C%2Fstrong%3E%20Dual%20electric%20motors%20with%20102kW%20battery%20pack%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E570hp%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ETorque%3A%3C%2Fstrong%3E%20890Nm%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERange%3A%3C%2Fstrong%3E%20Up%20to%20428km%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EOn%20sale%3A%3C%2Fstrong%3E%20Now%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EFrom%20Dh1%2C700%2C000%3C%2Fp%3E%0A
The specs: 2019 BMW X4
Price, base / as tested: Dh276,675 / Dh346,800
Engine: 3.0-litre turbocharged in-line six-cylinder
Transmission: Eight-speed automatic
Power: 354hp @ 5,500rpm
Torque: 500Nm @ 1,550rpm
Fuel economy, combined: 9.0L / 100km
