Articles, page 3 of 7
203 articles across wealth, budgeting, credit, taxes, systems, and business — built around trade-offs, not quick fixes. Newest first; this page lists 61–90.
REITs and InvITs: Rent Without the Property, and What I'd Check
Real estate is part of my work, so I read a REIT by the cash it collects, not the yield. How REITs and InvITs work, what they pay, their tax and the checks.
Senior Citizen Investment Options in India: How I Would Set Them Up
A retiree's first question is where next month's money comes from, and I'd plan from there. SCSS, MIS, senior FDs, SWPs, annuities and a three-bucket plan.
SIP Strategy in India: Investing Monthly When Cash Comes by Season
Our rice mill's cash comes with the harvest, not on payday. How to size a SIP you can keep in lean months, step it up, deploy a lump sum and keep it simple.
Sovereign Gold Bonds (SGB): How They Work, and What Waiting Is Worth
SGBs pay 2.5% a year to wait. What that wait is worth, how the bond works, and why the tax-free gain now needs the original issue and the full term.
Sukanya Samriddhi Yojana: How I'd Set One Up for a Daughter
Why I'd fix the yearly amount and deposit date before opening SSY for a daughter. Eligibility, EEE tax, 15 years of deposits, 21-year maturity and exits.
Term Insurance India: How Much Cover, and What Business Owners Miss
Cash leaves our business months before it returns, which shapes how I size cover. Term insurance: how much, comparing policies, IRDAI data and disclosure.
Wealth Building Is a Decision Problem: Numbers First, Then Decisions
Household wealth goes wrong the way a business does: decisions taken in the wrong order. Savings rate, the order of commitments and windfall rules come first.
Wealth Building in India: 7 Rules From a Business Owner's Books
Seven rules for building wealth in India, judged the way a bank judges a business: on the records it actually keeps, not on the plans it describes.
Investing for Women in India: Why I'd Start With Whose Name It's In
Before which fund or how much, I'd ask whose name the assets are in. Investing for women in India: career breaks, homemakers, growth assets and a plan.
Annual Financial Planning the Way a Business Reviews Its Year
A household's year, planned in two hours and started early: review last year, set goals, map the tax and insurance dates, and fit it all on one page.
Buffer Fund vs Emergency Fund: One Pool of Money, One Job
A buffer for known bills, an emergency fund for real shocks: why the two pools should never blend, how big each should be, and where to keep them in India.
Expense Tracking Methods Compared, and Why I Build Spreadsheets
Paper, apps or a spreadsheet? An honest comparison from the person who builds this site's templates, for households paying by UPI, card and cash.
Fixed vs Variable Expenses: Size Your Floor for the Worst Month
Fixed, variable and semi-variable costs, why the fixed floor has to survive your worst month, and three checks before you sign up for another EMI.
Household Cash Flow Statement: Build One, Then Match It to the Bank
How to build a household cash flow statement month by month, from take-home pay, and the one check that proves it is right: does it match the bank?
How Much Emergency Fund Do You Need? Why a Credit Limit Doesn't Count
I'd size an emergency fund on essentials, never count a credit limit in it, and build it before investing. How many months, and where to keep it in India.
How to Save for a House Down Payment in India: A Real Estate View
I work in real estate alongside our family's agribusiness. The down payment is only part of the cash a home needs: how to size it, time it and save for it.
How to Use Your Annual Bonus: Advice From the Side That Pays Wages
A bonus is a one-off and deserves a one-off plan. How to split yours between debt, the emergency fund, investing and spending, decided before it lands.
What to Do With Your Money After a Salary Hike: An Employer's View
As an employer, I know a raise is a permanent cost to whoever pays it. How to split yours so it builds wealth instead of a more expensive lifestyle.
Money Management for College Students in India: Make Lump Sums Last
I hold a BBA, but my money lessons come from a business whose cash follows the harvest. A student guide to allowances, lump sums, side income and debt traps.
Monthly Budget System: Plan for the Lean Month, Not the Best One
A monthly budget system that saves first, absorbs annual bills, copes with irregular income and ends in a 30-minute review, built for the lean month.
Savings Rate: 7 Principles, and the One Business Owners Get Wrong
The share of income you keep decides how fast wealth grows. How to calculate your savings rate, count EPF, raise it, and why an owner's profit is not savings.
Sinking Funds Explained, the Way a Mill Plans for Its Season
If you can name an expense and roughly when it lands, it is not an emergency. How sinking funds spread insurance, festivals and repairs across the year.
Spending Audit: Trust the Statement, Not Your Memory
Three months of bank, card and UPI spends, set against what you think you spent: how to run a household spending audit, find the leaks and trim them.
The Checklist Before You Take Any EMI: Size It for the Worst Month
I run the working capital of a seasonal business, so I'd size any EMI against the worst month, not the average. The checks to run before you sign.
Buy Now Pay Later in India: The Hidden Costs and the Harvest Question
In farming, pay-later means inputs on credit until harvest, which our business extends. BNPL is the same thing, a loan. What it costs and how to stay safe.
Co-Applicant vs Guarantor: A Lender's View of Your Signature
We give farm inputs on credit until harvest, so I know why lenders want a second name. Co-applicant vs guarantor: what you owe, your CIBIL, and the exits.
Credit Card Debt Strategy: 6 Steps, and the Call I'd Make Early
I make the borrowing calls for our business on paper first. Clear card debt the same way: 6 steps, and when a balance transfer or personal loan saves money.
Credit Score in India: The Two Questions Every Lender Asks
Our business gives farmers fertiliser on credit until harvest, so I think about credit as a lender does. How CIBIL scores work, and how to fix yours.
Debt-to-Income Ratio (FOIR): Work It Out Before the Bank Does
I put the numbers down before any borrowing, and FOIR is the one banks check after your score. How it's calculated, lender limits, and how to lower it.
Education Loan in India: Why the Moratorium Isn't Free
We give farm inputs on credit until harvest, so I know waiting has a cost. Education loans: interest during the moratorium, 80E, collateral and repayment.