Finance – Saving Money – How to cut bills, budget, build emergency fund.
Who Needs This Service? Eligibility: All employees registered under the Employees’ State Insurance (ESI) scheme earning up to ₹21,000 per month (gross salary) and their dependents can use ESI medical facilities. The ESI card is valid for insured persons (IP), their spouse, dependent children (up to 25 years), and dependent parents. Required Documents for ESI […]
Who needs this service? Any Indian citizen with an electricity connection (domestic, commercial, or agricultural) who wants to pay bills without visiting a physical office. Tenants needing to pay bills for rented properties (even if the meter is in the landlord’s name). Required documents: Unique Consumer ID: This number is on your old electricity bill.
1. The Real Question: Can You Sleep at Night? Stop asking “Which investment is better?” That is the wrong question. If you ask a crypto millionaire, they will tell you stocks are for dinosaurs. If you ask a wealth manager, they will tell you crypto is rat poison. Both are biased. The only question that
I have a friend—let’s call him Rahul—who has six different cashback folders on his phone. He spends about 15 minutes a day spinning wheels, scratching digital cards, and hunting for “coins.” Last month, after all that effort, he proudly told me he made ₹140. Then there’s my cousin, who has exactly two apps. She spends
The Confession I distinctly remember the Tuesday afternoon that changed everything for me. It wasn’t a dramatic financial crash or a scary call from a creditor. It was much quieter, and in a way, much more embarrassing. I was standing in line at a coffee shop in Indiranagar, waiting for a ₹350 cold brew that
What if you could set up an income stream today and have AI handle 80% of the heavy lifting for you? In 2025, that’s not a pipe dream—it’s happening. I’ve spent the last year testing dozens of automation tools, and here is the honest truth: AI hasn’t made “get rich quick” schemes any more real,
Americans and Indians alike are facing a unique economic pressure cooker in 2025. While inflation has cooled slightly, the cost of living remains stubbornly high. The solution for many isn’t cutting coupons—it’s income diversification. Recent data suggests that successful side hustlers aren’t just making “pizza money” anymore; they are building systems that generate reliable monthly
Last year, picking a phone under $300 (roughly ₹25,000) meant accepting a series of disappointing compromises. You usually got a dim LCD screen, cameras that fell apart after sunset, and software that would be abandoned by the manufacturer in eighteen months. But 2025 has been different. The gap between a $300 device and a $1,000
President Trump has floated a $2,000 “tariff dividend” paid out from new tariff revenue—but experts say the revenue numbers don’t add up. Here’s what the data show. In recent weeks, the White House has doubled down on a populist promise: sending direct cash payments to Americans funded entirely by tariffs on foreign imports. Administration officials,
So, What’s the “Good” Number Everyone Talks About? Alright, let’s get right to it. When people talk about “a good score,” they are almost always referring to the FICO score, the model used by 90% of top lenders. For the most common FICO scores (which range from 300 to 850), the “good” credit score range
Let’s be honest, you’ve probably tried to create a monthly budget before. You opened a spreadsheet, felt a brief surge of motivation, and then, two weeks later, you found yourself staring at a $150 restaurant bill you completely forgot about, and the whole thing fell apart. You felt guilty. And you felt like a failure.
I read a post the other day on a financial forum that stuck with me. It was from a 31-year-old guy, and he was doing everything right. He makes about $125,000 a year. He’s maxing out his Roth IRA, dumping 15% into his 401(k), and has already stacked up $155,000 in investments. By any textbook measure, this
