One practical money system, every week.

Why I write it

I have run the money side of my family’s rice mill near Kashipur, Uttarakhand, since it started in 2018: the bank’s cash credit, GST every month, credit to farmers that waits for the harvest, and the books in Tally. At home, since 2023, the household has run on its own monthly budget, kept apart from the business.

The newsletter is where I share those systems one at a time, from that work and from the guides on this site, explained so you can use them the same week. The rule behind every issue is the one I use for every money decision: numbers first, then decisions.

• One system per issue. A framework, a calculation or a decision worth understanding, short enough to read on your phone.
• Paired with a tool. Most issues link the calculator or spreadsheet template that goes with the idea, so you can run your own numbers.
• Written for India. Rupee examples and Indian rules across the six topics of this site: wealth, budget, credit, taxes, systems and business.

Topics you can expect

• A monthly budget system you’ll actually keep
• The difference between tax saving and tax planning
• What your credit utilisation ratio tells a lender
• How to track net worth without overthinking it
• Setting aside tax as a freelancer with irregular income
• Working capital: the number that keeps a small business solvent

Get the next issue

One email a week, one system in it. Always verify current rules and rates with official sources before acting.