Budget Better, Live Greater
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CRED for Credit Card Debt Management: In India, where the ease of using plastic money frequently results in overspending, credit card debt is becoming a bigger problem. Dues management has become a crucial skill as household debt increased from ₹9,017 in 2015 to ₹16,239 in 2019 (according to industry estimates) and credit card usage increased … Read more
How to Use PhonePay Smart Savings for Daily Goals: In India, saving money isn’t always simple. It can be challenging to maintain financial objectives in the face of growing expenses, holiday spending, and the allure of internet shopping. Every rupee counts, whether your goal is to establish a tiny emergency fund, purchase a new phone, … Read more
30-Days Rule in Budgeting: In India, handling finances may be like walking a tightrope. It’s no wonder that many of us find it difficult to stay within our budgets given the rise in inflation, the ubiquity of internet shopping, and the cultural appeal of occasions like weddings and Diwali. However, what if there was an … Read more
Capital Gains Tax in India: Investing in India, whether in gold, equities, or real estate, may be a lucrative experience, but there is a significant financial consequence: capital gains tax. Understanding capital gains tax in India is crucial as the country’s economy expands and more people invest in wealth-building opportunities like the Sensex, which is … Read more
Gold ETFs for Beginners: In India, gold has a timeless appeal that is ingrained in both culture and custom. Gold is a sign of wealth and stability, from sparkling jewellery worn by newlyweds to gold bars hidden away as family treasures. The conventional methods of acquiring gold, such as purchasing coins, bars, or jewellery, are … Read more
How to Reduce Credit Card Debt in India Fast: Credit cards have become a two-edged sword for millions of Indians. With cheap credit available from institutions such as HDFC, SBI, and ICICI, spending and going into debt have never been easier. In 2024, India’s credit card debt reached ₹2.5 lakh crore (RBI statistics), with many … Read more
Saving Money During Medical Emergencies in India: Unexpected medical crises can leave Indian families feeling both financially and emotionally burdened. Unpreparedness can deplete funds or force households into debt in a nation where healthcare prices are on the rise—private hospital fees for a single treatment can easily surpass ₹50,000. Millions of Indians must deal with … Read more
Zero-Based Budgeting: In India, where growing living costs, inflation, and financial goals sometimes intersect, efficient money management is more important than ever. Whether you are a paid professional in Mumbai, a small company owner in Delhi, or a housewife in Chennai, obtaining financial freedom requires a sound strategy. Enter Zero-Based Budgeting (ZBB), a simple yet … Read more
Sensex & Taxes: The BSE Sensex, which represents the Indian stock market, has become a major force in wealth creation. The Sensex crossed the 80,000 mark in 2024, a sign of the country’s expanding equities culture and investor fervour. Millions of Indians are currently involved in this financial adventure, ranging from seasoned traders to salaried … Read more
Fixed Deposits vs Mutual Funds: One of the best strategies to safeguard your financial future is to invest your hard-earned money, particularly in a rapidly expanding market like India. Despite the vast array of possibilities, mutual funds and fixed deposits (FDs) are two of the most well-liked investment options for Indian investors. However, how can … Read more