Daniyal12

Credit-card Float Method – 45 Days Free Cash + 2 % Reward (Free Calculator)

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Methodology I float ₹ 30k monthly on the ICICI Amazon Pay card → zero-interest cycle + 2% cashback.Statement date: 5th → pay by 20th → 45-day float.UPI reward stacking: Amazon Pay UPI → extra 2% on Amazon spends → ₹600/year.No-cost EMI buffer: big-ticket split → keeps utilization < 30% → CIBIL safe.Auto-debit: last day → … Read more

How I Built a 6-Month Emergency Fund on a ₹25k Salary (Spreadsheet)

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Methodology I tracked every rupee for 14 months—PG rent, weekend biryani, and UPI cash-back.Surplus = salary – non-negotiables (rent, commute, utilities) – fun budget (₹ 3k).Side hustle (Notion templates) added ₹4 k 6 k/month → reinvested at 0% (cash under mattress).Float hacks: 45-day credit card cycle, UPI rewards, no-cost EMI on phone.Target: ₹1.5 lakh (6 … Read more