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.

How to Create a Budget

How to Create a Budget: A Step-by-Step Guide to Take Control of Your Money

Leave a Comment / Knowledge, Finance, Personal Finance /

Introduction: Why Most People Struggle With Money (And How a Budget Fixes It) If you’re living paycheck to paycheck, watching your bank account dwindle before the month ends, or feeling anxious every time you check your balance, you’re not alone. According to recent surveys, nearly 78% of Americans live paycheck to paycheck, and over 60% […]

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Student Loan Refinancing

Student Loan Refinancing for Doctors and Dentists: A Complete Guide

3 Comments / Knowledge, Personal Finance /

Introduction to Student Loan Refinancing for Doctors and Dentists: A Complete Guide Medical professionals graduate with some of the highest student loan debt in the country. For doctors and dentists carrying six-figure balances, student loan refinancing can be a powerful tool to reduce interest rates, lower monthly payments, and save thousands over the life of

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New Year financial planning, monthly finance plan, personal finance checklist, money goals by month, financial goals new year

New Year Financial Planning Made Easy: Your 12-Month Money Reset Plan

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Introduction: Start the New Year With Smarter New Year Financial Planning The start of a new year feels like the ideal moment to reset your finances. Yet, many people try to overhaul everything at once—only to feel overwhelmed. Budgets fall apart, savings habits fade, and well-intentioned resolutions often disappear by February. This is where the

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Make Money on Redbubble

How to Make Money on Redbubble (Beginner-to-Advanced Guide)

10 Comments / Business, Knowledge /

Introduction: Why Redbubble Is Still a Smart Side Hustle Picture a quiet evening in your home office: laptop glowing as you upload a misty Pāngani sunset design. Days later, pings arrive—sales from Texas, Sydney. Passive income flows while you sip your coffee, with no inventory or shipping hassles. This is how creators make money on

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how to save for retirement

How to Save for Retirement: Your No-Nonsense Guide to Financial Freedom

2 Comments / Finance, Knowledge /

Let’s be honest—retirement feels like this distant, almost mythical thing when you’re in your twenties or thirties. You’re thinking about rent, student loans, and maybe that vacation to Portugal you’ve been daydreaming about. Retirement? That’s future-you’s problem, right? Wrong. Here’s the uncomfortable truth I wish someone had told me earlier: the decisions you make today

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small business loan

The Small Business Loan Guide (Without Losing Your Mind)

1 Comment / Finance, Knowledge /

Let me guess—you need a small business loan, and you’re reading this because your business needs cash. Maybe it’s that new equipment that’ll double your output, or inventory for the busy season, or just enough runway to cover payroll while you wait for clients to actually pay their invoices. (Why does everyone take 60 days

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Best Budgeting Apps

Best Budgeting Apps in 2026 (Free & Paid)

4 Comments / Personal Finance, Knowledge, Technology /

Introduction Managing money can feel overwhelming, especially with rising expenses and unpredictable incomes. Many people struggle to keep track of their spending or stick to a budget that actually works. If this sounds familiar, it’s important to know you’re not alone—and there are practical, easy-to-use tools designed to help. Budgeting apps have become essential in

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What Is an IPO

What Is an IPO? Meaning, Process, Benefits & Risks Explained

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What Is an IPO? A Beginner’s Guide to Initial Public Offerings Introduction When a company like Airbnb or Rivian decides to sell shares to the public for the first time, it creates buzz in the financial world. This process, known as an Initial Public Offering or IPO, transforms privately held businesses into publicly traded companies.

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Peer-to-Peer Lending

What Is Peer-to-Peer Lending?

8 Comments / Knowledge /

What Is Peer-to-Peer Lending? A Complete Guide for Beginners The financial world is evolving rapidly, and one innovation that’s reshaping how people borrow and lend money is peer-to-peer lending. If you’ve ever felt frustrated by traditional banks’ rigid requirements or low savings account returns, peer-to-peer lending might offer an interesting alternative. But what exactly is

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starting a business, investing in stocks

Starting a Business vs Investing in Stocks: Which Builds More Wealth?

3 Comments / Knowledge, Business, Personal Finance /

Starting a Business vs. Investing in Stocks: Which Path to Wealth Is Right for You? The age-old question that keeps aspiring wealth-builders awake at night: should you pour your savings into starting a business or let the stock market work its magic? Both paths have minted millionaires, and both have left others wondering what went

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