festival money

Holi Budget—Colour vs Cash Split (Free Google-Sheet)

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Methodology I used a 65-20-15 split → 20% of the monthly surplus = color + gulal → green cell = balanced festival budget.Guilt index: Low (< ₹3 k surplus), Medium (₹3 k–₹10 k), High (> ₹10 k) → higher surplus → higher investment %.Auto-split: surplus × 0.2 → color + gulal, 0.3 → food + … Read more

Diwali Bonus Calculator – Spend, Save, Invest Split (Free Google-Sheet)

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Methodology I used CFA utility-weighting → progressive tax on guilt → 50% invest, 30% save, 20% spend.Guilt index: Low (< ₹25 k), Medium (₹25 k–₹75 k), High (> ₹75 k) → higher bonus → higher investment %.Auto-split: bonus × 0.5 → invest, bonus × 0.3 → save, bonus × 0.2 → spend → green cell … Read more