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When an individual or a family unit plans to save or spend monetary resources over time, considering various financial risks and future life events, that term is called personal finance. While planning personal finances, the individual normally considers the suitability to his or her needs of a range of banking products or investment in private equity or insurance products. Also, the person even considers participation and monitoring of and- or employer-sponsored retirement plans, social security benefits, and income tax management. Through personal finance education, a family or individual can make rational financial decisions throughout their life regarding the financial management skills. However, personal finance differ based on circumstances of people like income, wealth, and consumption needs. Apart from this, taxes and finance laws also differ from country to country, and market conditions vary geographically and over time. Experts comment that the key component of personal finance is financial planning, which is a dynamic process requiring regular monitoring and re-evaluation. The whole process is divided in 5 parts: assessment, goal setting, plan creation, execution, and monitoring and reassessment. Among others, experts believe personal financial planning areas include: financial position, adequate position, tax planning, investment and accumulation goals, retirement planning, estate planning, delayed gratification, cash management, revisiting written financial plan regularity, and education planning. They also opine that personal finance should be taught in schools. More
Market timing hurts SIP investors more than fund choice, with emotional pauses quietly eroding long-term compounding gains.
Staying invested longer dramatically boosts returns, showing how time and compounding quietly build meaningful wealth.
Gold saving schemes look simple and attractive. But unless you understand the fine print, the final payout may not match your expectations.
Cancelling a credit card might seem like a simple way to cut costs, but it can impact your CIBIL score. While the dip is often temporary, taking smart steps can help minimise the impact. Understanding how card closures affect your credit profile helps you make better financial decisions.
While pre-approved credit cards can come with attractive perks ,it’s important to review interest rates, fees, and eligibility criteria before applying. Always read the fine print to understand the true costs and benefits of the offer.
Buying life insurance early locks in lower premiums, better eligibility, and long-term protection at the most affordable cost.
Sensex shows higher numbers than Nifty because of different base values, timelines, and index construction.
Equity mutual fund inflows fall in January, while gold ETFs surge and overall AUM stays equity-heavy.
Despite the positive sentiment post the tariff changes, there is still no indication that it’s time to incrementally add risk to your portfolio
Buying health insurance is about understanding limits, coverage and waiting periods, not just choosing the lowest premium.
They mix equity, debt and gold in one fund so you don’t have to keep adjusting your portfolio every few months.
Credit card EMIs let you turn big purchases into smaller, manageable monthly payments instead of paying the full amount upfront. With no-cost EMI options, it’s important to check interest rates, fees, and the impact on your credit limit before opting in.
Entrepreneurship sounds exciting, but the real shock often comes from losing a steady monthly income.
An STP can help you move money into equity gradually, but it’s not a magic formula. It’s a method, not a guarantee.
That first paycheque feels like freedom. What you do with it can shape your financial life for years.
Travel credit cards can make every journey smoother with perks like airport and railway lounge access, reward points, and travel benefits.
Your credit score can decide not just whether your loan is approved, but how much interest you end up paying.
A phishing mistake doesn’t have to turn into a financial disaster if you act fast and in the right order.
Frequent movie outings can add up quickly, but the right credit card can help cut those costs with free tickets and exclusive discounts. Several cards also offer added perks like savings on food and beverages or dining benefits.
If something looks off in your EPS entries, don’t ignore it. Here’s what it actually means and how to get it corrected.
A phishing mistake doesn’t have to become a financial disaster — but the first 30 minutes matter more than you think.
More cards can mean more rewards and a stronger credit profile, but only if you manage them with discipline.
What is a credit limit? How can you increase it? Managing it wisely and keeping your usage low can help you qualify for higher limits and build a stronger credit profile.
Sensex tracks 30 large, well-established companies listed on BSE and was introduced in 1979. Nifty 50 tracks 50 major companies listed on the NSE and was launched in 1995.
Online shopping credit cards are designed to reward your everyday spends on top platforms like through cashback, discounts and accelerated rewards. Choosing the right card depends on where you shop most, the fees involved and whether you prefer direct cashback or redeemable points.
