Money Basics

June 6, 2025
Dhruva
Money Basics

Combining Finances Made Easy: Secrets to Merging Money Without Relationship Stress

Combining finances as a couple refers to the intentional process of pooling income, assets, and expenses to manage money jointly. When partners choose to combine finances, they agree to...

June 6, 2025
Dhruva
Money Basics

PPF vs. ELSS: Which Tax-Saving Option is Best for Risk-Averse Investors in 2025?

When it comes to tax-saving instruments under Section 80C of the Income Tax Act, two options often dominate the conversation: Public Provident Fund (PPF) and Equity Linked Savings Scheme...

June 6, 2025
Dhruva
Money Basics

Index vs Active Funds in 2025: Costs, Returns & Risks Explained

An index fund is a type of investment fund designed to mirror the performance of a specific market index, such as the S&P 500, by holding the same securities...

June 5, 2025
Dhruva
Money Basics

Money Triggers: Psychological Biases That Sabotage Your Budget & How to Outsmart Them

“Why did I buy that?”If you’ve ever stared at your bank app in disbelief, you’ve met a money trigger—an internal psychological cue that slips past rational thought and turns...

June 5, 2025
Dhruva
Money Basics

How to Read Your Bank Statement Without Falling Asleep

A bank statement may look like a dull PDF filled with numbers, dates and cryptic codes, but it is actually the single most powerful document in your personal finance...

June 5, 2025
Dhruva
Money Basics

Lifestyle Inflation : 8 Proven Tactics to Stop Lifestyle Creep and Supercharge Your Wealth

Lifestyle inflation So-called lifestyle creep is the gradual tendency to increase spending as income rises. Instead of allocating raises, bonuses, or extra earnings toward savings and investments, many individuals...

June 5, 2025
Dhruva
Money Basics

50/30/20 Budget in 2025: Beat Inflation and Make Every Rupee Work Harder

50/30/20 rule India 2025: Beat inflation and make every rupee work harder by adopting a proven rupee-wise money management strategy. In an era marked by rising prices and shrinking...

June 3, 2025
Dhruva
Money Basics

Direct vs Indirect Taxes 2025: The Shocking Money Leak Most Indians Overlook

Direct vs Indirect Taxes Direct Tax: A tax levied directly on an individual’s or organisation’s income, wealth, or profits, paid straight to the government by the taxpayer. Indirect Tax:...

June 3, 2025
Dhruva
Money Basics

Why Financial Literacy Is Your Greatest Asset in India’s Fast-Changing Economy

What Is Finance? Why Does It Matter? Finance is the foundation of every decision involving money, whether it’s buying your first home, starting a business, investing in the stock...

June 3, 2025
Dhruva
Money Basics

Fixed Deposits vs Savings Accounts: A Data-Driven Safety & Returns Comparison

IntroductionInvesting in the wrong place can result in significant losses over time, as inflation steadily reduces your purchasing power. The two most popular parking spots for Indian savers’ savings...