Netflix, Swiggy, and SIPs: The Monthly Subscriptions You Actually Need

Netfix, Swiggy and SIPs Monthly Subscription

We live in a world where almost everything comes with a subscription. From music and movies to groceries and food delivery, we are surrounded by monthly payments that promise comfort, entertainment, and convenience. 

To make this easier, let’s look at an example that most of us can relate to.

Meet Rohan.
He is 25 and he has just started working, and like many of us, he loves his subscriptions. Every month, Rs 499 goes to Netflix because weekends are incomplete without binge-watching the latest shows. Another few thousand go to Swiggy orders because cooking after a long day feels impossible. For him, these are “must-have” subscriptions, comfort, entertainment and convenience.

But one day, while discussing money with his colleague, Rohan came across another kind of subscription. Something, not many youngsters talk about. It wasn’t a food app nor an OTT platform. It was a Systematic Investment Plan (SIP). 
At first, it didn’t sound exciting. How can investing be compared to Netflix or Swiggy? But when he thought about it, he realized that it is the most valuable subscription of all.

SUBSCRIPTION 1: NETFLIX- THE ENTERTAINMENT PACKAGE 

Netflix is Rohan’s stress-buster. After a tiring day at work, switching on Netflix and watching his favorite shows feels priceless. For just a few hundred rupees a month, he gets endless entertainment. 

But then he noticed something. After watching a show, there was nothing more left from it. The Rs 499 gave him happiness for few hours, but the value ended there. Next month, he paid again. And the cycle continued.

Netflix is great for the present, but it does not add anything in the future. 

SUBSCRIPTION 2: SWIGGY- THE CONVENIENCE PACKAGE

Rohan loves ordering food on Swiggy. Pizza, burger, biryani, everything arrives at his doorstep in minutes. Swiggy saves him the time and effort of cooking. But when he checked the spending, he was shocked. That Rs 100 burger order here, a Rs 400 pizza there, and suddenly he realised he was spending more than Rs 3,000 every month on food delivery. At the end of the year, that’s Rs 36,000, enough to buy a new phone or even take a short trip! All that money had gone into food that was now only a memory. 

Convenience has its costs, and like Netflix, it did not secure his future.

SUBSCRIPTION 3: SIP -  THE WEALTH PACKAGE

Then came SIPs, which his colleague explained simply:
“Think of SIPs as a subscription to wealth. Just like Netflix deducts money every month for entertainment, SIPs deduct money every month to build your future.”

This idea struck Rohan. SIPs work like a financial autopilot. Every month, a fixed amount gets invested in mutual funds. He wouldn’t have to worry about timing the market or remember to invest. 

And the best part? SIPs benefit from the remarkable power of compounding, leading to substantial growth over time.

A THOUGHT EXPERIMENT 

Rohan asked himself:

  • Netflix: Rs 499 a month for 10 years = Rs 60,000 spent. What remains? Just memories of shows.
  • Swiggy: Rs 3000 a month for 10 years = Rs 3.6 lakh spent. What remains? Only food he doesn’t even remember eating.
  • SIP: Rs 3000 a month for 10 years (assuming 12% return) = Rs 6.9 lakh corpus. What remains? Real money for real financial needs.

Suddenly, SIPs looked much more rewarding than he thought.

BALANCING PRESENT AND FUTURE

Now, Rohan did not cancel Netflix. Neither did he stop ordering from Swiggy. Life is about enjoying the present as well. But he decided to make space for SIPs in his budget. 

  • Rs 500 for Netflix
  • Rs 2000 for Swiggy
  • Rs 3000 for SIP

This way, he continued enjoying life today while also building for tomorrow.
Because the truth is: shows will end, food will be eaten, but SIPs will keep growing silently in the background, preparing a financial cushion for the future.

THE REAL SUBSCRIPTION YOU NEED

So, the next time you renew your subscriptions, pause for a moment and ask: 

  • Am I also subscribed to my financial future?
  • If I can spend Rs 500 - 1000 on movies and food every month, can’t I also invest the same in a SIP?

Remember, in 10 years, the shows you watched may be forgotten, and the food you ordered long digested. But the SIP you started today will still be growing silently, preparing a better future for you.

CLOSING NOTE

Subscriptions are a modern habit. They make life easy, fun, and comfortable. While entertainment and convenience take care of your present, SIPs take care of your tomorrow.
So, when you think of monthly subscriptions, don’t stop at movies or food. Consider your financial aspirations, needs, and what you envision for your future.

Because in the long run, the subscription that matters the most is the one that doesn’t just give you comfort today, it gives you freedom tomorrow. 
Netflix entertains.
Swiggy feeds.

But SIPs build.