Swipe, Match, Haggle – Welcome to the New Age of Savings When you hear “Tinder,” you probably think about dating.But imagine if you could “swipe right” to negotiate deals instead — not on hearts, but on prices. That’s exactly the energy I channeled recently while buying electronics.Instead of blindly accepting prices, I matched, negotiated, and […]
In India, the wealth gap is more than just a number — it’s a mindset.The ultra-rich and the middle class often live side by side, but operate on entirely different playbooks. It’s not always about inheritance, privilege, or luck.Often, it’s about what they do differently, repeatedly, and consciously — things the middle class either overlooks […]
Let me ask you this:When was the last time you challenged your spending habits — not just tracked them? We often say we want to save more.Cut back. Live smarter.But most of us… never actually test what we’re capable of. So I did. And here’s the story of my 30-day no-spend challenge —What I expected, […]
Quitting Your Job With ₹50K Sounds Reckless… Because It Is Let’s get honest: walking out of a stable job with just ₹50,000 in the bank is not a move most people would advise. And they’re right—on paper, it’s financially unwise, even borderline irresponsible. But for me, it was necessary. Not because I had a backup […]
If I could sit across from my 20-year-old self in a noisy chai tapri in Pune or a college hostel in Delhi, I wouldn’t just talk about money.I’d talk about mindset, mistakes, and what no one teaches you in school — especially when it comes to money in India. So here’s the financial wisdom I […]
As a parent, you want the best for your child: education, health, and a secure future. But when insurance agents push “child term plans,” you wonder: Is this necessary? 🤨 Let’s break it down in simple terms—no jargon, just honest advice. What is a Child Term Plan? A child term plan is an insurance policy where: Sounds good, right? But before […]
Why Your Investing Strategy Must Evolve? Your 20s are about exploration—figuring out careers, managing first paychecks, and maybe even some impulsive spending. 🎉 By your 30s, responsibilities grow—home loans, family planning, and career shifts demand a more structured approach. In India, where financial markets, inflation, and cultural expectations play a big role, adjusting your investments […]
Small Savings, Big Wealth What if you skip your daily ₹100 coffee, invest that money instead, and in 20 years, it grows to over ₹10 lakhs. Sounds unbelievable? That’s the power of frugality combined with smart investing. In a country where inflation rises faster than salaries, saving money isn’t just about cutting costs—it’s about securing […]
A few years ago, I found myself staring at a messy Excel sheet filled with random savings, impulsive spends, and vague future goals. I was earning well but had no real control over my money. Sound familiar? You’re not alone. A 2023 RBI report revealed that only 24% of urban Indians have a structured financial plan. Most of us […]
Introduction: Small Steps, Big Results Imagine this: You earn a decent salary, but by the end of the month, your wallet feels empty. You promise yourself, “Next month, I’ll save more,” but the cycle repeats. Sound familiar? The truth? Wealth isn’t built overnight—it’s built through small, consistent habits. You don’t need a six-figure salary or complex investment strategies. You […]
