Prabha B

Become Financially Smarter

Hi, I'm Prabha Balakrishnan!

Professional blogger, voracious book reader, and a strong woman by heart. 

Started this blog in 2015 to pursue my passion on FINANCIAL INDEPENDENCE. Apart from work, I cook, think, automate my kitchen, organize my home, and read entrepreneurial books. I strongly BELIEVE that the world’s wisdom is in books.

Topics we cover

How-to Guides

Quick guides to get started with salary calculations, resume writing and lot more.

How-to Guides?

How-to-guides to answer all your basic questions on money.
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Salary & Tax

Financial calculations simplified for Freshers and Salaried Professionals

Salary & Income

Excel calculators, How-to guides, negotiation tips and lot more
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Passive Income

Proven techniques, how-to-guides to kickstart your online business.

Online Business

Double your income stream by kickstarting your online business.
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Resources

Most trusted and useful tools that helped this blog to grow 10X faster.

Resources

Useful tools and resources that helped me to achieve 10X success.
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Editor's Picks

Mega guide to CTC structure
Free Excel Calculators
Prabha Balakrishnan

What are Salary Components in India?

What is CTC? CTC means Cost to Company. The CTC comprises of various salary components in India. How much does the company want to invest in you? India offers salary structure packages with the “Cost to Company” (CTC) measurement. This includes all costs incurred by the company on behalf of the employee, both monetary and

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How to write a resume for freshers
Resume Writing
Prabha Balakrishnan

How to write a Resume for Freshers?

How to write a resume (for freshers)? When it comes to the job search as a fresher in India, writing a good resume for the first job could be the difference between landing a dream job and being thrown out of the pile. Crafting an excellent resume is essential in the competitive world of job

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Exchange old gold jewellery
Free Excel Calculators
Prabha Balakrishnan

How to Sell Old Gold Jewelry for Best Price?

Whenever I enter the jewelry shops, I always get over joyed by the red carpet welcome given. It gives me a feeling that they are decent, genuine and nice people who doesn’t dupe anybody. And just because I felt this way, I haven’t bargained with these people! And on one day, my intuition gave me

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save money from salary
How-To's
Prabha Balakrishnan

How to save money from salary? Step-by-step tutorial

Saving money from salary is both a dream and a puzzle for many people. They are often convinced that they have to increase their income in order to start saving. However, that is a mistake. The advantage of getting into good habits of saving from the start is that your savings level will increase with

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How to find whether the offer letter is fake or genuine
Free Excel Calculators
Prabha Balakrishnan

How to find whether an offer letter is fake or genuine?

Somehow God has given us the power to find the good and bad from inside. Does you inner voice alert you about the fake offer letter? Was your interview real or just a formality? How was the English proficiency of the interviewer? Fake or genuine? What do you think?Did the interviewer show his face? Did you

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home office video conference, homework, computer
How-To's
Prabha Balakrishnan

How to earn money online in India?

Trust me. I have been into earn money online world since 2012 in India. I wish someone had told me all these when I was a university students. The ladder to the top was NOT overpopulated those days. And now, gosh, everyone speaks on how to earn money online in India. So, how did I

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financial, analysis, accounting
Free Excel Calculators
Prabha Balakrishnan

How to Calculate Income Tax? (Excel calculator)

For years, I’ve been running behind my friends to get my income tax calculation done. To be honest, I had never taken pains to cross-check whether my friend did it right or not. The main reason ,” I thought it is complicated!” I didn’t even care to download an income tax calculator excel from the internet.

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Most Popular

Best courses during lockdown
Personal Finance
Prabha Balakrishnan

Best Udemy Courses for lockdown

Lockdowns are frustrating, we never expected this. Every time I hear this word ‘COVID 19’, it brings a crippling death fear from the bottom of my heart. Emotionally, socially, physically, financially — our world is in uncharted territory. There is an understandable fear, anxiety, and pain. But there is also hope and inspiration. Share on

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Stock Market Movies
Personal Finance
Prabha Balakrishnan

3 Best Stock Market Movies for Beginners

Everybody in this world wants to understand the stock market basics, but no one knows where to start (including me). Well, while thinking on and on about this, a question popped inside me “Why don’t you watch stock market movies to get started?”. That was an awesome suggestion, isn’t it? Why not? I should start off somewhere and

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Balance sheet of Poor and middle class
Personal Finance
Prabha Balakrishnan

3 First Steps You Should Take to Turn Rich

A few days back, I was having a scintillating conversation with my close friend who was very much interested in frugality and financial freedom. I was explaining about the financial illiteracy that is prevailing among youngsters. She silently listened to the complete lecture that I was giving, and raised a million dollar question “Alright, youngsters

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book, literature, pages
Personal Finance
Prabha Balakrishnan

3 Books for Financial Beginners of All Age

Sometimes it’s just a video, sometimes it’s an inspiring speech, and sometimes it’s mom’s advice, or even our life’s bitter experience that changes the way we think forever. But, I had never thought a book “Millionaire’s Next Door” would change me so much. To be honest, it left me sleepless, speechless; and even challenged my

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