Home Calculators Weekly Wisdom
01 Habit
Pay yourself first
Move your savings on salary day, before you spend. What is left is your spending money, not the other way round.
Try this week Set a standing instruction for the day after salary
Example 10% of ₹50,000 is ₹5,000 a month
Why it works Money you never see is money you do not spend
02 Growth
The rule of 72
Divide 72 by the yearly return to estimate how many years your money takes to double.
Try this week Check your own investments with it
Example At 12% it doubles in about 6 years
Why it works A quick check without a calculator
03 Safety
Build an emergency fund first
Keep 6 months of expenses in a liquid fund or savings account before you take any market risk.
Try this week Add up one month of must-pay bills
Example ₹40,000 a month means a ₹2.4 lakh fund
Why it works It stops one bad month from becoming a loan
04 Growth
Inflation is a silent tax
A 3% bank balance loses to 6% inflation. Make sure your money earns more than prices rise.
Try this week Compare your savings rate to inflation
Example ₹1 lakh at 3% buys less after 5 years
Why it works You see the real return, not the printed one
05 Habit
Review once a year
Check insurance cover, goals and your asset mix once a year, not every week.
Try this week Put a yearly review date in your calendar
Example Same day as your birthday or tax filing
Why it works Less noise, fewer panic decisions
06 Debt
Debt with high interest first
Pay off credit cards and personal loans before you invest for returns lower than their interest.
Try this week List every loan with its rate
Example A 36% card costs more than any fund earns
Why it works Paying debt is a guaranteed return
These are general ideas, not personal advice.
Run the numbers Try the calculators to see what these ideas mean for your money.
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