Blogs.

Buying your first car feels exciting until you open a new car brochure and see the price tag. That is where the pre-owned market quietly saves the day.

Picture the evening crawl home. Clutch in, first gear, roll a metre, clutch in again. Your left hand is aching before you have even cleared the second signal. Sound familiar? You have probably eyed a gearless scooter or an electric and wondered why you are still doing all this work.

Trying to understand your credit report? Start with this question - What is a credit tradeline? Each loan or credit application creates a tradeline on your credit report, which ultimately affects your loan eligibility and creditworthiness.

Salary day passed. The account did not move. The rent reminder arrived anyway.
For most salaried households in India, even a few days without the expected credit throws everything off. Under the Payment of Wages Act, employers are legally required to pay within seven to ten days of the wage period ending.

You finally find a property in Delhi that fits your budget. Just when you think the hard part is over, someone tells you to keep money aside for stamp duty and registration charges. Suddenly, your budget no longer looks enough.

Walk into a new car showroom with two lakh and the salesperson will spend ten minutes explaining why you need to spend more.

Picture this. Two years of paying every bill on time. Then the CIBIL score drops 35 points in a single month with nothing in the payment history to explain it. 

That phone call asking if you need a personal loan, the person at a property expo walking you through home loan options, the WhatsApp message about business loan schemes.

You look at your bank balance in the middle of the month. You think about where your salary went. This happens to a lot of people. The 50/30/20 budget rule is a way to stop feeling bad about how you spend your salary.