Articles, page 6 of 7
203 articles across wealth, budgeting, credit, taxes, systems, and business — built around trade-offs, not quick fixes. Newest first; this page lists 151–180.
Joint Accounts and Nominations: Three Records, One Story
Your joint mode, nominees and will should tell one story. How operating modes and nominations work in India, and how to check that the three agree.
Monthly Money Review: A 30-Minute Routine With a Business Owner's Rhythm
Thirty minutes once a month: confirm automation ran, catch the unexpected, reconcile spending and update net worth. A monthly money review, step by step.
Net Worth Milestones: Measure the Usable Number, Not the Paper One
Net worth milestones as multiples of expenses, investable versus total net worth, and how to track the number you could actually use, year after year.
Net Worth Tracker in Google Sheets: Build It Honest on Both Sides
I build this site's trackers, and I'd never let a credit limit onto the asset side. How to build a net worth tracker, source each number and read the trend.
Nominee vs Legal Heir in India: Who Collects and Who Keeps the Money
The person who collects your money and the person who owns it are often different. How nominees and legal heirs differ for bank, MF, shares, EPF, insurance.
Going Paperless With Your Finances in India: Could You Produce It?
Can you produce any financial document the day someone asks for it? DigiLocker, one folder system, file names, statement auto-delivery and a two-copy backup.
Personal Finance Operating System: What to Automate, What to Keep
Automate what runs itself, delegate the routine records, keep the decisions: a personal finance operating system for India, with its weekly-to-yearly cadence.
Protecting Yourself From Financial Fraud in India: Trust the Statement
The common scams in India, the habits that block them and how to report to 1930 in time, built on one check: is the money actually in your statement?
Portfolio Rebalancing: Write the Rule Before the Market Moves
A rebalancing rule written while you are calm is the only one you will follow. Calendar vs threshold, four tax-efficient methods, and where EPF and PPF fit.
Safe Storage of Financial Documents: What to Keep and Who Can Find It
In a family business, papers outlive the person who filed them. What to keep as originals, for how long, locker vs safe vs cloud, and a family access sheet.
Setting Up Autopay, NACH and e-Mandates: Cap Them Like a Credit Limit
Every mandate is a small limit you sanction to someone else, so size its cap with care. NACH, UPI e-mandates, card instructions, and how to cancel each.
Subscription and Renewal Tracker: A Payables Register for Your Home
At our mill, what we owe is tracked by due date. A home needs the same for subscriptions: one tracker for each recurring charge and renewal, and what to cut.
Tracking Multiple Bank Accounts: One Job Each and a Lean Spending Float
One job for each bank account, one dashboard, a lean spending float and a monthly check: a system for tracking the several accounts you keep on purpose.
UPI and Net Banking Safety: Settings, Limits and What Never to Hand Off
Your UPI PIN, OTPs and passwords belong on a short list nobody else ever gets. The settings, limits and habits that keep UPI and net banking safe in India.
Year-End Financial Housekeeping: Close the Year the Way a Business Does
A half-day household checklist for the end of the year: dormant accounts, unused subscriptions, nominees, the year's documents and your trackers.
Accepting Digital Payments: UPI, Gateways and When the Money Lands
Our mill's cash credit charges interest daily, so when money lands matters as much as the fee. UPI, cards, gateways, MDR plus GST, settlement and reconciling.
Cash Flow Management in India: Why a Profitable Season Still Runs Short
A season at our rice mill can show a profit and still run short of cash. Why profit and cash part ways, the levers that close it, and six household systems.
Business Emergency Fund: Why a Credit Line Is Not One
I run a seasonal business on a bank credit line, and a line is not a buffer. How to size, hold and refill a business emergency fund kept apart from your own.
Business Expense Tracking: Why Our Mill's Books Are Kept Weekly
An accountant comes to our mill about once a week, so the books never wait for March. What counts as a business expense, how to record it, what the CA needs.
Business Insurance Basics for Indian SMEs, From a Stock-Heavy Business
Paddy in a godown changes value with the season, and that is where underinsurance hides. The covers Indian SMEs need, how to size them and why claims get cut.
Getting Your Small Business Loan-Ready: The Records I Keep Straight
Our rice mill's books are updated weekly, and its bank reads them. What Indian lenders check before a business loan: credit, repayment, documents, purpose.
Cash Flow Forecasting for Small Business, Through a Harvest Season
Our mill pays for paddy well before the rice is sold, so I watch cash weekly. How to build a 13-week forecast on real cash dates and see shortfalls early.
How to Choose a CA for Your Business: What Our Rice Mill Taught Me
Our rice mill has a weekly accountant and a separate CA, and they do different jobs. How to choose each, what to agree in writing, and the checks I do myself.
Client Contract Basics for Freelancers: The Terms I'd Insist On
Our business gives farmers fertiliser on credit until harvest, so I read payment terms as credit. The clauses a freelance contract needs, in plain words.
Current Account for Your Business: A View From the Cash Credit Side
Our mill's working capital runs on a cash credit, where idle money costs interest. When a business needs a current account, how to pick one, what banks read.
Depreciation and Fixed Assets: What a Rice Mill Owner Watches
A rice mill runs on machinery, so depreciation is never abstract for me. WDV vs straight-line, asset blocks, the 180-day rule, Income Tax vs Companies Act.
E-Way Bill: When You Need One, and the Checks I'd Run at the Gate
Goods move in and out of a rice mill all season. When an e-way bill is needed, who generates it, validity by distance, and what I'd check before dispatch.
Export Finance Basics in India: What I'd Check Before the First Order
If a mill like ours ever sold abroad, the finance would decide it, not the buyer. IEC, GST via LUT, packing credit and getting paid, for small exporters.
Freelancer Invoice Guide India: What I'd Put on Every Invoice
Much of our mill's rice goes out on credit. What a freelance invoice in India must carry (PAN, GSTIN, SAC, TDS), and the follow-up that gets it paid.
GST Composition Scheme: The Test I'd Run Before Opting In
Much of our mill's output goes to wholesalers and distributors, so I judge the composition scheme from the buyer's side. Limits, rates, filing and a test.