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. Are you confident about the offer letter from this company? Was your interview real or just a formality? How was the…

The Ultimate guide to CTC structure and components [2019]

What is CTC? CTC means Cost to Company. How much does the company want to invest in you? India offers salary packages with the “Cost to Company” (CTC) measurement. This includes all costs incurred by…

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…

How to calculate PF amount? Excel Calculator inside.

I withdrew my PF amount every time I made a resignation or job hop, and I am deeply regretting it. To be honest, I didn’t know the value of PF, and the calculation. So, how to…

How to Calculate Income tax for Salaried Individuals (Download Excel)

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…

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…

How to calculate monthly Take Home Salary in India (Excel calculator inside)!

Many of my friends, colleagues and juniors in India are sending me their offer letters, to judge whether their offer is worth on take home salary calculation front. Just sharing the take home salary excel…

Recession: Why Does it Happen?

If you had told me four years ago that I would one day write about ‘Recession’, I would have laughed in your face. Most people learn financial literacy when they have to. I’m no different….

The Forgotten History of South Indian Currency System

Well, you may be astonished to see a gold currency coin (above) with a temple symbol with 4 languages inscribed (two of them are Tamil and Telugu)…. Yes, your guess is right! This was the…

4 Youtube Channels to boost your Financial Confidence (everyday)

Friends, I came across these channels when I started doing an Internet Research on how ordinary people turn into millionaires. Although I haven’t figured out the complete path they had taken, I’m sure I’ve found out…

LIC Policy: Why should you be very serious about it?

I still remember those days how my close friend suffered to close the huge debt his father had left behind after his death. If his father had been more financially aware, and had considered the worst case of not…

How to Track Offline Expenses (and why you should)

Several months back, my husband and I spotted quite a few cash withdrawals in our online bank statement, and couldn’t really remember why we withdrew. When we tried tracing back, we desperately had no clue,…

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…

5 Things you probably didn’t know about Credit Cards

Ever since I got my first credit card, I had never taken pains to pay my outstanding balance as a whole. Instead, I’ve been paying minimum dues, and at one point, debt rose above my…

How to bargain at a jewellery shop in India

For years, I was so afraid of bargaining, I always had an inner fear of being judged. One day, my inner voice told me “Why do you want to lose your money for somebody‘s business?…

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…

2 Tax Benefits every First Time Home Buyer should know in India

Every time I think about buying my own home, there is an inner fear that alerts me not to risk. Being a first time home buyer, I know how scary it is to understand the…