Author: Farooque Akhtar, MBA & CFA Published: December 22, 2025 Last Updated: December 23, 2025 Disclaimer: This content is for educational purposes only and should not be considered personalized financial advice. Consult with a qualified financial advisor before making investment decisions. Master Your Money: A Practical 7-Step Financial Freedom Plan for Indians Most people think … Read more
Most people do not struggle with money because they earn too little. They struggle because they do not have a clear financial system. Many salaried employees and self-employed professionals receive their income every month, pay bills, spend on daily needs, and hope that some money remains for savings. Unfortunately, that approach rarely works. Financial success … Read more
Inflation does not destroy money overnight. It quietly reduces purchasing power month after month until people suddenly realize their “safe savings” are no longer enough. Many Indian investors struggle with one basic question during high inflation periods—should money be kept as an emergency fund or invested in mutual funds for higher returns? When inflation touches … Read more
Your salary increased.But your real income didn’t. 3% hike vs 6% inflation — you’re actually losing money every year. That’s the uncomfortable truth. I’ve been there — stretching ₹20–25K till month-end and still wondering where it went. So instead of guessing side hustles like everyone else, I did what most people don’t: I ran numbers. … Read more
Most people don’t fail because they earn less. They fail because they don’t plan. A Personal Finance Planner is not just a tool — it’s a system that decides whether your money grows or disappears every month. Most people don’t have a money problem. They have a planning problem. Money comes in, money goes out, … Read more
Your credit history is a significant factor in determining your eligibility for credit cards and loans in today’s financial system. Many people only learn about CIBIL scores when a loan application is denied, but being aware of it early on can help you avoid missed chances and financial stress. A CIBIL score is a three-digit … Read more
