7-Step Personal Finance Framework—Free PDF + Google-Sheet (India 2025)

Section 1 – Build 6-Month Emergency Fund (200 words)I built a 6-month cushion on ₹22 k take-home in 14 months—without skipping weekend biryani.Target: 6 × monthly expenses (₹25 k expenses → ₹1.5 lakh).Micro-task: ₹100/day auto-debit (UPI mandate) → same time daily.Case study: Month 1 surplus ₹4.8 k, Month 14 total ₹1.48 k → COVID layoff … Read more