Articles, page 7 of 7
203 articles across wealth, budgeting, credit, taxes, systems, and business — built around trade-offs, not quick fixes. Newest first; this page lists 181–203.
GST for E-Commerce Sellers in India: The Payout Gap I'd Plan For
Our mill sells on credit, so I watch the gap between a sale and the cash. Marketplace GST: registration, the 0.5% TCS, claiming it back, and planning payouts.
GST for Small Business in India: The Rules I Work With at Our Mill
GST touches every sale at the rice mill I run in Uttarakhand. Registration limits, returns, input tax credit and the costly mistakes I watch for.
GST on Services vs Goods: What Actually Changes, Seen From Our Mill
Our business deals in goods, from paddy to fertiliser. What changes between goods and services under GST: rates, codes, place of supply and the e-way bill.
GST Returns for Small Businesses: What I Check Before One Is Filed
An accountant keeps our mill's GST records every week; I check the returns against real sales and purchases. Forms, due dates, late fees and a worked month.
How to Pay Yourself as a Business Owner, When Profit Isn't Cash
In a stock-heavy business, profit can be tied up in stock while tax falls due on it. Drawings, partner pay, director salary, dividends, and a pay that lasts.
Input Tax Credit (ITC) Explained: What I Watch at Our Mill
Paddy bought from farmers usually comes without a GST invoice, so our mill's credit questions sit elsewhere. The four ITC conditions, GSTR-2B and the traps.
Managing Vendor Payments and Credit Terms, Seen From Both Sides
We pay for paddy before we sell rice, and give farmers fertiliser on credit until harvest. How to read supplier terms, time payments and meet the MSME rule.
MSME Amendment Bill 2026 and the 45-Day Rule: How I Read Them
Our mill sells on credit; I read the 45-day rule as a seller. The 2026 Amendment Bill (passed, not yet in force), 3x bank-rate interest, ODR claims, 43B(h).
MSME Loans in India: Types, Eligibility and the Question I Ask First
Our rice mill borrows to carry its paddy through each season. MSME loans in India: MUDRA, CGTMSE, SIDBI, PSB 59 Minutes, and who qualifies for each.
Partnership Deed Basics: What a Family Business Should Write Down
I'm the second generation in a business my father started. What a partnership deed should settle: profit share, roles, authority, exits and registration.
Petty Cash and Expense Management: Count It Like a Godown
At our mill the godown is counted against its register. Petty cash deserves the same: a fixed imprest float, a voucher for every rupee, and a weekly count.
Pricing Your Services as a Freelancer: How I Think About a Rate
I sell my own spreadsheet products at listed prices and decide money numbers first. How to build a freelance rate that covers tax, costs and slow months.
Private Limited vs LLP vs Proprietorship: The Questions I'd Ask First
I run the working side of a business my father started. How I'd choose between a proprietorship, an LLP and a private limited: liability, compliance, tax.
Professional Tax in India: Who Pays and When, Seen From an Employer
Our mill is in Uttarakhand, which levies no professional tax, but staff or a branch elsewhere changes that. Who pays, state rates, due dates, the deduction.
Proforma Invoice vs Tax Invoice: Why Only One Enters Our Books
Our mill sells on credit, so the tax invoice, not the payment, starts the GST clock. What a proforma is, what a tax invoice needs, and why only one is a sale.
Quarterly Business Review for Freelancers: What I'd Measure and Why
I run a seasonal business, not a practice, but the lesson carries: annual accounts alone arrive too late. What freelancers should track each quarter, and why.
Reading Your Business Bank Statement: What I'd Look For Each Month
At our mill, bank reconciliation is part of the accountant's weekly work. What an owner should scan monthly: missed payments, odd debits, tax entries, trends.
How to Read a Profit and Loss Statement: Why I Don't Read It as Cash
Our mill's profit can sit in the godown as stock, so I never read a P&L as cash. How to read each line, which margins matter, and the stock line I read first.
Registering a Trademark in India: What I'd Protect First
I sell spreadsheet products under names and know the seed trade. How to register a trademark in India: classes, search, fees, TM vs R, and the renewal.
Separate Business and Personal Money: What We Changed in 2023
Our family's business and household money were mixed until 2023. Why separating the two matters for any business, and how to set it up properly.
TDS for Consultants and Freelancers in India: What the Payer Sees
I sit on the paying side of professional invoices. What clients deduct from your fees, when they must, and how to get every rupee of TDS back in your ITR.
TDS vs TCS for Small Business: What I'd Settle Before Paying
A mill pays farmers, suppliers, staff and a CA all season. TDS vs TCS explained: which applies, due dates, returns, and the cost of a missed deduction.
Udyam Registration Step by Step: What It Does for a Mill and a Trader
Udyam is free and takes ten minutes. How to register, how your category is set, and why a mill and a trader get different benefits from the same certificate.