FY-End Money Cleanup: 25 Things to Fix (Nominations, Documents, Passwords, and Proofs)
February 24, 2026
Most people focus on tax saving at the end of the financial year but ignore something equally important — organizing their financial life. Missing nominations, outdated documents, untracked investments, and unsecured accounts can create serious problems later. A financial year-end ... Read more
Real Return Calculator: Compare FD/PPF/SIP Properly After Inflation (Simple Method)
February 24, 2026
Most investors compare returns using numbers printed by banks or investment platforms. A fixed deposit offering 7% or a mutual fund delivering 12% looks attractive at first glance. But these numbers can be misleading because they don’t account for inflation. ... Read more
Bonus Month Tax Shock? How to Plan TDS and Deductions So Take-Home Doesn’t Crash
February 24, 2026
Many salaried employees feel excited when bonus or appraisal season arrives — but the excitement often disappears after seeing the salary slip. A large portion of the bonus gets deducted as tax, leaving a lower-than-expected take-home amount. This happens because ... Read more
Gold Investing in India: SGB vs ETF vs Physical—Which Wins After Tax and Liquidity?
February 24, 2026
Gold has always been a preferred investment in India, valued for wealth protection, cultural importance, and long-term stability. However, investors today have multiple ways to invest in gold — physical gold, Sovereign Gold Bonds (SGBs), and Gold ETFs. Each option ... Read more
Credit Utilisation Trick: How to Keep Your Score High Even If You Spend a Lot (Billing Cycle Method)
February 21, 2026
Your credit score is not just about whether you repay on time — it also depends on how much of your credit limit you use. Many people pay their credit card bills regularly yet still struggle with low credit scores ... Read more
EMI Optimisation Tricks: The Timing Moves That Actually Reduce Interest (Without Lifestyle Pain)
February 21, 2026
Most borrowers focus only on EMI amount and interest rate when taking a loan, but the real savings opportunity lies in timing. Small decisions about payment dates, part-prepayment timing, and loan structure can significantly reduce interest cost without increasing financial ... Read more
Decode Your Salary Slip Like a Pro: 18 Lines That Decide Your Take-Home Pay (And What to Fix)
February 21, 2026
Your salary slip is more than just a payment statement — it is a detailed financial document that determines your actual income, tax liability, savings contribution, and benefits. Yet most employees only check the final credit amount and ignore the ... Read more
Defective Return Notice Avoidance: The 20-Point Checklist Before You Hit Submit
February 21, 2026
Filing your income tax return feels complete once you hit submit — but for many taxpayers, the real trouble begins afterward. A defective return notice can delay refunds, trigger compliance issues, and require additional corrections that consume time and effort. ... Read more
Bill Negotiation Tricks in 2026: Scripts to Cut Broadband, Bank Fees, and Subscriptions
February 20, 2026
Monthly bills silently drain income for most households. Broadband charges, bank fees, subscription renewals, and service costs often increase gradually without notice. Many people accept these expenses as fixed, but in reality, a significant portion of recurring payments can be ... Read more
The 52-Week Savings Challenge (India Edition): A Simple Plan to Save Big Without Feeling Poor
February 20, 2026
Saving money consistently is one of the biggest financial challenges for most households. Many people struggle not because they lack income, but because they lack a structured saving habit. A systematic approach like the monthly savings challenge helps build strong ... Read more