I Tried a ₹500 a Day Budget for 7 Days—The First 5 Expenses I Cut Shocked Me (And I Didn’t Miss Them)
I Tried a ₹500 a Day Budget for 7 Days — Here’s What I Cut First (and What I Wish I’d Stopped Buying Earlier) Can you actually survive on ₹500 a day? I thought I knew the answer. I figured food would be the killer — that I’d be counting…
Buy Now, Pay Later’s “Phantom Debt” Problem: What Changes for Your Credit Score in 2026
Phantom Debt Is the Hidden Buy Now, Pay Later Problem That Could Hurt Your Credit Score in 2026 Something changed quietly over the past year, and most Buy Now, Pay Later users have no idea. For as long as BNPL has existed, splitting a purchase into four…
Before Buying a New Car, Calculate This One Number First (Case Study: Tata Sierra EV) Is it worth 20 Lakhs?
Imagine booking the upcoming Tata Sierra EV for around ₹22 lakh, feeling proud of your down payment and a “manageable” EMI. Five years later, you realise the car actually cost you closer to ₹32-35 lakh. The showroom price was never the real…
Before Buying an iPhone, See What Investing That Money Could Become
Before buying an iPhone, take five minutes to see what the same money could become if you invested it instead. The comparison isn’t about avoiding technology — it’s about understanding the financial trade-offs before making a major purchase.…
I Tried Zero-Based Budgeting for 30 Days—Here’s Exactly What Happened to My Money
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,…
7 Money Habits That Look Boring but Work Surprisingly Well
7 Money Habits That Look Boring but Work Surprisingly Well The Unsexy Truth About Building Wealth Tired of flashy financial hacks that promise quick wealth but leave your wallet empty? We’ve all been there—downloading the latest budgeting app with…
30-Day No-Spend Challenge: Lessons, Savings, and Mindset Changes
30-Day No-Spend Challenge: What I Learned The idea of a 30-day no-spend challenge sounds simple enough: stop buying things you don’t absolutely need for 30 days. But when I first heard about this personal finance experiment, I was skeptical. Could…
How to Track Your Spending Using Just Your Phone
How to Track Your Spending Using Just Your Phone Gone are the days of keeping receipts in shoeboxes or scribbling expenses in paper ledgers. Today, your smartphone—the device already in your pocket—can become your most powerful financial tool. With just…
How to Save for Retirement: Your No-Nonsense Guide to Financial Freedom
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.…