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Valentine’s Day Budget—Guilt-Free Spend (Free Google-Sheet)

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👉 Make a copy & split your Valentine budget Methodology I used a 65-20-15 split → 20% of the couple’s surplus = guilt-free spending.Guilt index: Low (< ₹5 k surplus), Medium (₹5 k–₹15 k), High (> ₹15 k) → higher surplus → higher investment %.Auto-split: couple surplus × 0.2 → guilt-free spend, 0.3 → save, … Read more

No-Cost EMI vs Upfront – Hidden IRR Trap (Free Calculator)

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Methodology I compared a ₹ 50k phone on a 12-month no-cost EMI vs. upfront cash using the CFA IRR formula.Hidden costs: processing fee 1% + GST 18%, lost 1.5% cashback, opportunity cost 7% (savings rate).EMI cash flow: ₹0 upfront, then ₹4,167 × 12 → real IRR = 3.2%.Upfront cash flow: ₹50 k day 0 → … Read more