You might be thinking, I have some cash to deposit but how do I do it without attracting a tax notice? Many salaried individuals, freelancers, or small business owners in India face this concern. Cash transactions are closely monitored, especially if the amounts are high. Understanding the rules around PAN, SFT, and Section 269ST is … Read more
Most of us start the month with big savings goals but end up wondering, “Where did all my money go?” by the 20th. Sounds familiar? With rising expenses, EMIs, kids’ school fees, and lifestyle choices like weekend outings and online shopping, budgeting has become more crucial than ever. That’s where the 20-30-50 rule comes in. … Read more
You might be wondering, “Does the colour of my passport actually change anything?” On the face of it, a passport is just a travel document. But for many Indians like salaried employees like Ravi, parents planning a family holiday, and small business owners travelling for trade, the passport colour (and more broadly, passport strength) affects … Read more
UPI has made payments quick and effortless in India, but studies show it also fuels overspending. Instant payments, cashbacks, and auto-debits often push us to spend more than we realize. Here’s why it happens and simple budgeting hacks to stay in control Introduction Think about the last time you ordered chai from your local tapri, … Read more
When you think of entrepreneurship, you often picture founders trying to “leave a mark” on the world—dreaming of building something that lasts forever. But in a candid episode of Raj Shamani’s Figuring Out podcast, Kunal Shah, founder of CRED, offered a refreshing reality check. “In 50, 100 years, you will be forgotten.” With that one … Read more
You might be wondering about those reports flooding social media about the Reserve Bank of India allowing banks to remotely lock your smartphone if you default on EMI payments. Let’s break down what’s actually happening and what it means for everyday Indians like us. Picture this: Rahul, a 28 year old working professional from Pune, … Read more
You might be wondering why your WhatsApp family groups are buzzing with gold price updates and why Priya Aunty keeps postponing her daughter’s wedding jewelry shopping. Well, here’s the reality, the gold prices have crossed the ₹1.11 lakh mark per 10 grams for 24-karat gold this September, leaving many middle-class Indian families scrambling to understand … Read more
You might be wondering everyone talks about mutual funds and stocks, so why does EPF still matter? Let me tell you about Ravi, a 40-year-old marketing professional in Pune. For years he barely noticed the small monthly deduction on his salary slip. Fifteen years on, that “forgotten” amount became a tidy chunk he used to … Read more
