In 2022, I bought a 1BHK in Wakad, on the outskirts of Pune, purely as a rental property roughly ₹45 lakh, with about ₹30 lakh of that on a home loan. Before signing anything, I ran the numbers: ₹15,000 a month in expected rent worked out to a neat 4% return on paper. I remember … Read more
What is Stock Market? A Beginner’s Guide That Actually Explains It My brother sent me a screenshot at 11 PM once his friend had turned ₹15,000 into ₹40,000 in what he swore was “three weeks, bro, just trust me.” He wanted to put in his entire Diwali bonus the next morning. When I asked what … Read more
A couple of years ago, I had four credit card statements spread out on my bed, trying to figure out why I was earning almost nothing back despite spending decent money every month. I had cards, sure. But I had no real system I was tapping whichever card was closest to my hand, not the … Read more
Do You Remember the First Time Your Salary Just… Disappeared? Mine was March 2021. I’d just started earning again after a rough stretch during the lockdown, and I still remember opening my bank app on the 26th of the month and staring at a balance that made no sense. I hadn’t bought anything big. No … Read more
For a long time, I genuinely believed I didn’t have a spending problem. I never made one big, dumb purchase I could point to and say, “that’s what wrecked my month.” No impulsive gadget upgrade, no random weekend trip on a credit card, nothing dramatic. And yet, almost every month, somewhere around the 22nd or … Read more
Five years ago, I was doing that end-of-month math everyone in a tight spot knows too well: counting the days until payday, checking if there was enough left over for chai without denting the balance. My salary back then was ₹18,500 a month, before deductions, working as a junior content writer. Somebody telling me to … Read more