A Bengaluru resident earning Rs 1.1 lakh per month has asked Reddit for advice after facing a dilemma over housing costs.

In a post on the Reddit account r/bangalorerentals, the resident explained that they currently live in a single-sharing PG, and are paying Rs 25,000 per month for a premium setup with food included. Their monthly expenses, including rent, travel, groceries, and occasional eating out, sum up to Rs 32,000 approximately.

Despite a high income, the resident said they feel “stuck,” unable to fulfil personal desires without careful budgeting. At present, they are considering moving to a one-room flat with rent of Rs 15,000, estimating total monthly expenses—including groceries, electricity, and internet—would still hover around Rs 30,000–32,000.

Concerns about high security deposits and potential delays in refunds were also cited by the resident in their post.

Read the post here:

In the comments section of the post, some users spoke about the convenience and low stress of PG living, while others highlighted the flexibility and independence that comes with having a flat. “If you can afford to shift, you should shift. You should reach a lifestyle that you’re happy with and stick to it,” one user said.

Others suggested cost-saving alternatives, such as sharing a 2BHK flat with a friend to reduce expenses.

Some users emphasised the mental and lifestyle benefits of choosing a flat, saying that cooking one’s own meals, managing a personal space, and having privacy can outweigh the slightly higher effort and responsibility.

“Flats offer a lot of flexibility, but they come with responsibilities like cleaning and maintenance. It becomes your home, and that independence is worth it,” a user said.

Financial planners also chimed in, suggesting that for someone earning Rs 1.1 lakh per month, the decision should factor in long-term goals like savings, investments, and lifestyle satisfaction. “High income doesn’t automatically translate to happiness. The key is to balance convenience with freedom and make sure your expenses align with your priorities,” a financial advisor commented.

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