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Two countries, one estate plan: How NRIs can make a will that actually works

BUSINESS

Two countries, one estate plan: How NRIs can make a will that actually works

A cross-border estate plan is not just about writing a will; it is about making sure the right document works in the right country so your family does not spend months proving ownership in two legal systems.

Still running out of money every month? Try the 70/10/10/10 formula

BUSINESS

Still running out of money every month? Try the 70/10/10/10 formula

A simple monthly framework that tells your money where to go before it disappears.

Should you book a fixed deposit now or wait? A smarter way to decide

BUSINESS

Should you book a fixed deposit now or wait? A smarter way to decide

With fixed deposit rates looking attractive again, the real decision is not about timing the peak, but about managing reinvestment risk and cash-flow certainty.

SPARSH defence pension: How to download your PPO number in minutes

PERSONAL-FINANCE

SPARSH defence pension: How to download your PPO number in minutes

A simple walk-through for pensioners who need their PPO for life certificate, bank queries or grievance filing, without chasing old paper files

Lost your income suddenly? What happens to your EMIs and SIPs

BUSINESS

Lost your income suddenly? What happens to your EMIs and SIPs

What the system expects you to do, what flexibility you actually have, and where most people get caught off guard

Winter holiday travel rush: Smart booking tricks that can save you thousands on flights and hotels

PERSONAL-FINANCE

Winter holiday travel rush: Smart booking tricks that can save you thousands on flights and hotels

Peak season is expensive by default, but small choices on dates, routes and cancellation terms can cut the damage

Stop chasing returns: Build a goal-based investment map for 20 years

BUSINESS

Stop chasing returns: Build a goal-based investment map for 20 years

A clear, goal-first framework that assigns every rupee a job, matches each goal to the right time horizon and risk level, and helps you stay consistent through market cycles instead of reacting to performance charts.

Credit card rewards without debt: A simple system that works

BUSINESS

Credit card rewards without debt: A simple system that works

Make points and cashback work quietly in the background, while your budget stays in charge.

How pensioners can submit a digital life certificate from home using a smartphone

PERSONAL-FINANCE

How pensioners can submit a digital life certificate from home using a smartphone

A phone-based process that lets you complete your annual life certificate from home, without visiting a bank or pension office.

Your first salary, your first budget: How to manage expenses without feeling restricted

BUSINESS

Your first salary, your first budget: How to manage expenses without feeling restricted

A practical guide to building strong money habits early, so your lifestyle grows without turning into permanent monthly pressure.

How to save Rs 50,000 to Rs 1 lakh a year without cutting back on daily comforts

PERSONAL-FINANCE

How to save Rs 50,000 to Rs 1 lakh a year without cutting back on daily comforts

Small, low-effort tweaks that quietly free up cash without forcing you to cut back on things you enjoy

How to check if an insurance policy is being mis-sold to you

BUSINESS

How to check if an insurance policy is being mis-sold to you

The simple checks that stop you from buying a product that suits the salesperson more than it suits you

SPARSH defence pension: How to download your PPO number in minutes

BUSINESS

SPARSH defence pension: How to download your PPO number in minutes

A simple walk-through for pensioners who need their PPO for life certificate, bank queries or grievance filing, without chasing old paper files

Winter holiday travel rush: Smart booking tricks that can save you thousands on flights and hotels

BUSINESS

Winter holiday travel rush: Smart booking tricks that can save you thousands on flights and hotels

Peak season is expensive by default, but small choices on dates, routes and cancellation terms can cut the damage

How pensioners can submit a digital life certificate from home using a smartphone

BUSINESS

How pensioners can submit a digital life certificate from home using a smartphone

A phone-based process that lets you complete your annual life certificate from home, without visiting a bank or pension office.

Still running out of money every month? Try the 70/10/10/10 formula

BUSINESS

Still running out of money every month? Try the 70/10/10/10 formula

A simple monthly framework that tells your money where to go before it disappears.

How to save Rs 50,000 to Rs 1 lakh a year without cutting back on daily comforts

BUSINESS

How to save Rs 50,000 to Rs 1 lakh a year without cutting back on daily comforts

Small, low-effort tweaks that quietly free up cash without forcing you to cut back on things you enjoy

Thinking of mutual funds? Your first questions answered

BUSINESS

Thinking of mutual funds? Your first questions answered

Mutual funds are like playlists for your cash: mix equity and debt to vibe with your goals. Whether you’re saving for a vacation, a car, or just flexing financial independence, here’s how to start smart.

The post office schemes that still work for conservative savers, and who should avoid them

BUSINESS

The post office schemes that still work for conservative savers, and who should avoid them

Post office schemes can be a solid “sleep well” layer in your finances, but they work best when you use them for stability, not for everything.

Digital banking safety audit: A 15-minute monthly routine to reduce fraud risk

BUSINESS

Digital banking safety audit: A 15-minute monthly routine to reduce fraud risk

Most digital banking fraud succeeds not because systems are weak, but because small lapses pile up over time. A short, repeatable monthly check can close many of the gaps scammers rely on.

Quit smart, not scared: How to prepare financially before resigning without another offer

BUSINESS

Quit smart, not scared: How to prepare financially before resigning without another offer

A structured checklist to protect your cash flow, benefits, and downside risk while you create time to search, rest, or reset.

Credit utilisation ratio: The lesser-known number that drives your credit score

BUSINESS

Credit utilisation ratio: The lesser-known number that drives your credit score

Your credit utilisation ratio is a simple percentage, yet it has outsized influence on how lenders and credit bureaus view your borrowing behaviour and creditworthiness.

Nominee naming mistakes that can trap your family in paperwork

BUSINESS

Nominee naming mistakes that can trap your family in paperwork

Small errors in nominations across banks, demat, mutual funds, insurance, and provident fund can delay claims and trigger disputes. A few disciplined checks can prevent most of it.

How to decide if a car upgrade is worth it: EMI, running costs and resale value

BUSINESS

How to decide if a car upgrade is worth it: EMI, running costs and resale value

Why the sticker price matters far less than what the car does to your monthly cash flow and long-term net worth

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347