Abhishek Kandir

Owner of Paisewaise

I’m a friendly finance expert who helps people manage money wisely. I explain budgeting, earning, and investing in a clear, easy-to-understand way.

Zero-Based Budgeting

I Tried Zero-Based Budgeting for 30 Days—Here’s Exactly What Happened to My Money

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I Tried Zero-Based Budgeting for 30 Days—Here’s Exactly What Happened to My Money Why My Money Never Lasted Till Month-End Every month felt like the same frustrating cycle. My salary would hit my account, I’d feel a brief moment of relief, and then—poof—the money would vanish into thin air. I wasn’t living extravagantly. I didn’t […]

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what is a mortgage

What Is a Mortgage? A Beginner-Friendly Guide to Buying a Home

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What Is a Mortgage? A Beginner-Friendly Guide to Buying a Home The Homeownership Dilemma Picture this: You’ve found your dream home. The neighborhood is perfect, the schools are excellent, and you can already imagine your family growing there. There’s just one problem—the $300,000 price tag. Like most people, you don’t have that kind of cash

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what is a car loan

What Is a Car Loan? Everything You Need to Know Before You Buy

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What Is a Car Loan? Everything You Need to Know Before You Buy Let’s be honest—buying a car today isn’t what it used to be. With vehicle prices climbing year after year, the dream of saving up the full amount in cash feels almost impossible for most people. A decent sedan can easily cost $30,000-$40,000,

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UNH stock

UNH Stock Explained: What UnitedHealth Group Does and Why Investors Track It

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UNH Stock: The Healthcare Giant Behind One of America’s Most Watched Tickers UnitedHealth Group quietly sits behind some of the most important decisions in American healthcare. Millions of people interact with its systems every year—through insurance coverage, prescriptions, medical data, or care services—often without ever seeing the company’s name. That enormous reach is why UNH

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credit card refund

How Long Does a Credit Card Refund Take?

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How Long Does a Credit Card Refund Take? Exact Timeline Explained (2026) Refund Processed… But Where’s the Money? Picture this: You ordered a laptop online for $1,200, but it arrived damaged. You immediately initiated a return, and within hours, you received an email from the retailer: “Your refund has been processed successfully!” Relieved, you check

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stopped using credit cards

What Happened When I Stopped Using Credit Cards

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What Happened When I Stopped Using Credit Cards: A 90-Day Financial Experiment I didn’t realize how much control credit cards had over my money—until I stopped using them. For years, I juggled three credit cards, convincing myself I was “playing the system” with rewards points and cashback offers. But somewhere between chasing 2% back on

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No-Buy Trend

I Tried the No-Buy Trend for a Month—Was It Worth It?

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I Tried the No-Buy Trend for a Month—Was It Worth It? Let’s be honest: have you ever checked your bank account mid-month and wondered where all your money went? You didn’t buy anything “big,” yet somehow your balance is significantly lower than expected. Those $8 coffees, $15 takeout orders, and “just browsing” online shopping sessions

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netflix warner bros

Netflix’s $72B Warner Bros Mega-Merger: Is netflix warner bros a Stock Crash or Investor Goldmine?

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Netflix’s $72 Billion Warner Bros. Bet: Will It Pay Off for Investors or Bust the Bank? Imagine scrolling through your finance feed and spotting headlines screaming about Netflix, Warner Bros drama—Netflix dropping a staggering $72 billion all-cash bomb to snag Warner Bros. Discovery. It’s not a movie plot; it’s the blockbuster deal shaking Wall Street

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finance content is dominating

Why Finance Content Is Dominating Social Media Feeds

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Why Finance Content Is Dominating Social Media Feeds The Problem Everyone Is Quietly Obsessing Over Something fundamental has shifted in the way we scroll. Open Instagram or TikTok right now, and you’ll notice a pattern: between the dance challenges and travel vlogs, there’s an overwhelming surge of budget breakdowns, salary reveals, and money confessions. This

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