Finance Guides — simple, practical money clarity

Personal finance is not about being perfect. It’s about having a system that you can follow consistently: track income, control expenses, plan savings, and avoid high-cost debt.

Most financial stress comes from uncertainty — not knowing where money goes, not knowing what you can afford, or not understanding loan costs. These guides focus on clarity first.

Budgeting is simply telling your money where to go before it disappears. You don’t need complex categories. Start with basics: fixed costs, variable costs, savings, and buffer.

A practical budget is one you can maintain. The goal is consistency, not perfection.

EMI is a monthly commitment, but the hidden cost is total interest over the tenure. Longer tenure reduces EMI but increases total interest paid.

Use EMI calculations to compare options before borrowing. When possible, keep your EMI comfortable relative to your take-home salary.

Credit cards are powerful for convenience and rewards, but risky if payments are delayed. Most problems come from revolving credit and minimum due payments.

Use a simple rule: treat the credit card like a debit card and pay full bill on time.

GST affects pricing in many goods and services. Sometimes prices are shown as ‘inclusive of GST’, and sometimes GST is added separately.

Knowing the difference helps you avoid confusion in billing and invoices — especially for business purchases or services.