Articles, page 5 of 7
203 articles across wealth, budgeting, credit, taxes, systems, and business — built around trade-offs, not quick fixes. Newest first; this page lists 121–150.
Form 16A and TDS Certificates: A Reconciliation Habit From the Mill
Matching books against the bank is routine at our rice mill. Form 16A needs the same check: what it shows, and how to match it with Form 26AS and AIS.
TDS on Property Purchase: Section 194-IA, Settled Before You Pay
I'm a director of a real-estate company, and the buyer's 1% TDS is a step I'd settle before any money moves. Who deducts, how much, and Form 26QB.
TDS on Salary, Explained by Someone Who Pays Wages
Our business pays wages, so I see salary TDS as what it is: the employer's projection of your year. How it's calculated, what to declare, and excess refunds.
Managing Aadhaar, PAN and KYC: Run It Like a Reconciliation
Our rice mill runs on matching one record against another. Keep Aadhaar, PAN and KYC details identical, handle re-KYC safely and avoid frozen accounts.
The Account Aggregator Framework: What Lenders See and You Control
Our mill reports to its bank every month and gives farmers input credit, so I see both sides. How AA consent works, what to approve and how to share safely.
Your Annual Financial Review, Run the Way a Business Closes Its Year
A yearly money review in one four-hour session: ten sections, from net worth and savings rate to insurance and tax, ending in three decisions for the year.
How to Automate Your Savings in India: Get the Sequence Right First
Give every debit a job and a date. How to automate SIPs, RDs and EMIs in India, put the debits in the right order and keep a cushion so nothing bounces.
Bank Statement Reconciliation: A Habit Our Mill Runs Weekly
For a personal account, monthly is enough: the six steps to reconcile a bank statement, the Indian transaction codes, and what to do about an unknown debit.
Personal Finance Apps in India, From Someone Who Builds Spreadsheets
I build this site's spreadsheet templates, so my bias is stated upfront. What finance apps in India do well, where they fall short, and when a sheet wins.
A Bill-Payment System So Nothing Slips, Run Like a Business's Payables
Every recurring bill on one list, with the cash ready before its date. What to autopay, what to keep manual, and how to catch a payment that silently fails.
Budget App vs Spreadsheet: A Spreadsheet Builder's Honest Answer
I build this site's spreadsheet templates, and I would still start a first-time tracker on an app. How to choose, India's app options and a starter sheet.
A Shared Money System for Couples: Yours, Mine and Ours, Numbers First
I build this site's money spreadsheets, and a couple's system starts with four numbers. Yours-mine-ours accounts, a fair split and a monthly money date.
DigiLocker and a Document Vault: The Two Layers I'd Set Up
DigiLocker for the IDs it can issue, a private vault for everything else, and a two-minute test of whether your family could find any document.
Digital Financial Declutter: Every Account Is a Reconciliation You Owe
Every account you keep is one more statement to reconcile. How to inventory, close and consolidate accounts, apps, folios, old EPF and scattered documents.
UPI vs Cards vs Wallets vs Net Banking: Float, Risk and Records
Float has a price and records have value. When to use UPI, cards, wallets or net banking in India, and why, weighed the way a business weighs its payments.
An Emergency Information Document, Written Like a Business Handover
In a family business, the next person needs a handover. The household version: what goes in an emergency document, what to leave out, and where to keep it.
Year-End Tax Checklist for March 31: Decide in April, Check in March
I would settle the tax regime in April with a calculator and use March only to check. The March 31 list: 80C, NPS, 80D, LTCG harvesting and advance tax.
Financial Accountability: A Review System Built Like Business Books
A monthly check, a quarterly look and an April deep-dive that keep your money on track, and the one part of the review nobody else can do for you.
How to Automate Your Financial Life in India, and Still Keep Watch
For autopay, the balance on the debit date matters more than salary on paper. How to automate savings, SIPs, EMIs and bills in India, and still keep watch.
Financial Calendar: Tax, EMI and Renewal Deadlines, Set Up Once a Year
One calendar for every tax date, EMI, SIP and renewal in India, set up in a single April session, with reminders timed to start the work, not announce it.
Organise Your Financial Documents the Way a Business Keeps Vouchers
What to keep and for how long, folders, file names, scans and who can reach them: a filing system for an Indian household's financial papers that holds up.
Financial Goals Framework: Price Each Goal, Match Money to Its Horizon
Price each goal in future rupees, date it, match the money to its horizon and decide what to fund first: a goals framework for Indian households.
Set Up Your Financial Goals in a Spreadsheet, and Keep It Honest
I build this site's spreadsheet templates. A goals sheet with one row per goal, an on-track test, inflation for long goals, and a saved column kept honest.
Financial Power of Attorney in India: A Family Business Owner's View
Who can sign when the usual signatory can't is a practical question in any family business. A financial PoA: general vs special, registration and scope.
Goal-Based Savings: Why I Treat a Pooled Balance Like a Credit Limit
Our mill's cash comes in seasons, so I watch what is already spoken for. Give each goal its own bucket, instrument and auto-debit, with a worked example.
Google Sheets Monthly Finance Tracker, From Someone Who Builds Them
I build this site's spreadsheet templates. A five-tab Google Sheets tracker on plain formulas, no macros, that takes about 30 minutes a month to keep current.
How to Consolidate Bank Accounts: Why I'd Keep Only What I Reconcile
How many bank accounts you actually need, which ones to keep, how to close the rest without a failed debit, and the traps in closing an old account.
How to Write a Will in India, and What a Family Business Adds
A family business adds questions a simple will never answers. What a valid will needs in India, witnesses, registration, and the mistakes that sink one.
Annual Insurance Review Checklist, Run Like a Bank Renewal
Insurance deserves the lead time a bank renewal gets. What to check each year in term, health, vehicle and home cover, and when to start the review.
Investment Portfolio Tracker in Google Sheets, Built Numbers First
I build this site's trackers and won't tell you what to buy. One Google Sheet for MFs, stocks, EPF, PPF and NPS: CAS imports, GOOGLEFINANCE, XIRR per goal.