Image by Northfolk of Unsplash You check your bank account, and it’s lower than you expected…again. You swear you haven’t spent much, yet somehow, your paycheck disappears faster than you can say “rent’s due.” If this sounds familiar, you’re not alone. But here’s the thing: You might not actually be broke. You might just be budget-blind. Being budget-blind means you’re not fully aware of where your money is going. It’s not about irresponsibility. It’s about financial habits that fly under the radar. These overlooked mistakes don’t always scream “bad decision,” but they quietly drain your bank account day by day.…

Achieving a financial milestone like accumulating ₹1 crore requires disciplined investing and a clear understanding of the time horizon involved. Systematic Investment Plans (SIPs) offer a structured approach to investing in mutual funds, allowing individuals to contribute a fixed amount regularly, thereby harnessing the power of compounding over time. In this blog, we’ll explore how long it would take to reach a ₹1 crore corpus with monthly SIPs of ₹1,000, ₹2,000, ₹3,000, and ₹5,000, considering an annual return of 12% and a 10% annual increase (step-up) in the SIP amount.​ Understanding SIP and the Step-Up Feature A Systematic Investment Plan…

Image by Pierre Borthiry of Unsplash The cryptocurrency world is never short on drama. After a brutal winter that saw Bitcoin crash, FTX collapse, and regulatory crackdowns tighten globally, 2025 is shaping up to be a year of cautious optimism. Prices are inching back up, headlines are turning hopeful, and retail investors are watching closely, wondering: is this the big comeback or just another bull trap? Whether you’re a seasoned crypto holder or just dipping your toes into blockchain waters, it’s smart to understand where the market stands today and, more importantly, what the savviest investors are actually doing. The…

Image by Dillon Kydd of Unsplash For years, Baby Boomers were seen as the generation clinging to large family homes and resisting change. But that narrative is quickly shifting. More Boomers than ever are choosing to downsize—swapping sprawling suburban houses for smaller, more manageable spaces in walkable neighborhoods or quiet communities. The reasons behind this trend go far beyond decluttering or “retirement dreams.” Boomers are embracing lifestyle changes that promote freedom, affordability, and peace of mind—and their decisions hold surprising wisdom for younger generations trying to make sense of today’s complicated real estate market. This is why Boomers are downsizing…

Image Source: 123rf.com Let’s be honest—living with someone who loves to shop “just because” can turn your monthly budget into a hot mess. Whether it’s late-night Amazon hauls or spontaneous splurges at Target, an impulsive spender can make it feel like you’re constantly playing financial cleanup. But here’s the deal: you don’t have to become the fun police to save money as a couple. Here are some “sneaky” ways to still save money when you’re with someone who impulsively shops. 1. Use Separate Spending Allowances Set up a system where each of you gets a “fun money” account that you…

One Finance recently rebranded to OnePay and are now offering a $125 cash bonus through Rakuten. OnePay is a fintech company that works with Coastal Community Bank and Lead Bank (both Member FDIC) to offer banking services. They offer OnePay Cash, which comes with a debit card that offers cash back, no monthly fees, and 3.75% APY on your savings with you use OnePay Cash+ (requires $500+ monthly direct deposit and $5,000+ balance). If you open an account through Rakuten and meet certain conditions, they’ll send you $125. Table of Contents How to get $125 from OnePay How does this…

How did the trade war affect US and Indian Equity Markets in the past?  Trump tariff war during his last tenure in 2018 led to increased disputes amongst the World Trade Organisation. The global GDP fell from 3.6% (2018) to 2.9% (2019) as per the IMF data. The global supply chain disruptions increased costs, the consumer price index rose by 0.3% in the US. To combat the slowing economy, the Fed went ahead and did 3 rate cuts in 2019 to support the slowing economy. The other central bankers also turned dovish. The volatility index increased, the S&P 500 fell…

Image by Alexander Grey of Unsplash If you’ve ever hesitated to open your bank app or delayed checking your credit card balance, you’re far from alone. Financial anxiety is something most people experience at some point in their lives, and for many, it lingers in the background of daily decision-making. It doesn’t matter how much you earn or how hard you work. If you feel overwhelmed by money or uncertain about your financial future, those anxious feelings can follow you everywhere. So why is financial anxiety so common? The answer is more complex than you might think. Start by Facing…

In early April, Goldman Sachs raised its forecast of a U.S. recession in the next 12 months to 45%. J.P. Morgan saw a 60% chance of a global recession. Consumer sentiment in the United States is the lowest it has been in years and inflation has taken a big bite out of everyone’s spending power over these last few years. If you’re concern about a recession, there are a few steps you can take right now to better prepare for it. Fully Fund Your Emergency Fund Photo by camilo jimenez on Unsplash In a recession, your greatest fear is that…

Image by Nataliya Vaitkevich of Pexels It’s late at night, you’re browsing your favorite store online, and you find the perfect pair of sneakers or a sleek new kitchen gadget. Just as you’re about to check out, you’re given a tempting option: Buy Now, Pay Later. Four interest-free payments. No credit check. No hassle. It sounds harmless—almost helpful. But that single click is costing Americans more than they realize. “Buy Now, Pay Later” (BNPL) services like Klarna, Afterpay, and Affirm have exploded in popularity over the last few years. Offering split payments over time without interest, they’ve positioned themselves as…