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Posts by Akash Shibu

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About Akash Shibu
Akash K Shibu writes about personal finance, insurance, credit behaviour, and everyday money decisions that affect middle-class families and young professionals in India. His work focuses on explaining complex financial topics in a clear, honest, and practical way—without hype, shortcuts, or sales pressure. Rather than offering financial advice, he aims to help readers understand how money systems work, why common mistakes happen, and how better awareness leads to smarter long-term decisions. His writing is grounded in real-life observations, behavioural patterns, and publicly available financial information. All content published on theplotlinee.link is for educational purposes only and is intended to improve financial literacy and awareness.
Diagram showing why financial planning often fails in real life situations
Posted infinance

Why Financial Planning Often Fail in Real Life

You sit down with your budget spreadsheet, full of motivation. You've calculated every expense, set ambitious savings goals, planned for emergencies. It feels good, feels responsible, feels like progress. Then…
Posted by Akash Shibu February 6, 2026
Chart showing the hidden cost of small financial decisions compounding over time
Posted infinance

The Hidden Cost of Small Financial Decisions

You grab coffee on the way to work. You order lunch instead of packing it. You click "buy now" on a book you'll probably read someday. Each decision feels insignificant…
Posted by Akash Shibu February 4, 2026
Budget spreadsheet highlighting unpredictable monthly expenses despite stable income
Posted infinance

Why Monthly Expenses Feel Unpredictable Even With Stable Income

You check your bank account on the 25th. Again. The number is lower than you expected, even though your paycheck was the same as always. You didn't buy anything unusual.…
Posted by Akash Shibu February 2, 2026
Silent money habits that keep people financially stressed
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The Silent Money Habits That Keep People Financially Stressed

The Pattern You Can't See Is the One That Controls You You check your bank balance and feel that familiar knot in your stomach. Again. You're working hard. You're not…
Posted by Akash Shibu January 30, 2026
Why saving money feels harder today than it did 10 years ago
Posted infinance

Why Saving Money Feels Harder Today Than It Did 10 Years Ago

You're earning more than you did five years ago. Maybe even double. Yet somehow, saving money feels harder today than it ever has before. You're not imagining it. And you're…
Posted by Akash Shibu January 28, 2026

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  • How Financial Fear Shapes Everyday Decisions
  • Why Emergency Funds Feel Difficult to Build

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