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Person calculating affordable monthly payments while reviewing hidden total loan costs on calculator
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The Illusion of Affordable Monthly Payments

The salesperson slides the paper across the desk. "Just ₹18,000 a month," they say with a smile. It sounds manageable. Doable, even. But six months later, you're wondering why your…
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Posted by Akash Shibu February 13, 2026
Person checking bank balance after paying EMIs on time but still feeling financial stress
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Why Paying EMI’s On Time Still feels Stressful

You check your bank balance. The EMI is deducted. You're on time again. So why does it still feel heavy? Most people think the stress comes from missing payments. But…
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Posted by Akash Shibu February 11, 2026
Visual illustration of debt transitioning from financial tool to financial trap
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When Debt Stops Being a Tool and Starts Becoming a Trap

You took the loan for a good reason. Education, a vehicle for work, a medical emergency, maybe a business opportunity. It made sense at the time, and the monthly payment…
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Posted by Akash Shibu February 9, 2026
Diagram showing why financial planning often fails in real life situations
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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…
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Posted by Akash Shibu February 6, 2026
Chart showing the hidden cost of small financial decisions compounding over time
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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…
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Posted by Akash Shibu February 4, 2026
Budget spreadsheet highlighting unpredictable monthly expenses despite stable income
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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.…
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Posted by Akash Shibu February 2, 2026
credit card habits that affect everyday spending decisions
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Credit Cards Aren’t Bad — But Most People Use Them Wrong

The first time you use a credit card, it feels empowering. You swipe.The payment goes through.No money leaves your account immediately. It feels smooth. Effortless. Almost invisible. That’s why credit…
Posted by Akash Shibu January 9, 2026
Person holding a credit card and a phone showing monthly EMI payment, with coins on a table and a piggy bank symbol representing debt and savings loss.
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Why EMIs Feel Affordable but Secretly Kill Your Savings

The EMI message always sounds reassuring. “Just ₹7,999 per month.”“Less than what you spend on coffee.”“Easily manageable with your salary.” You look at your bank balance, do some quick math,…
Posted by Akash Shibu January 7, 2026
Why budgeting apps don’t fix money problems (and what actually does)
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Why budgeting apps don’t fix money problems (and what actually does)

Budgeting apps promise control, clarity, and better money habits, yet many people still struggle with the same financial problems month after month. You download a budgeting app with good intentions.You…
Posted by Akash Shibu January 5, 2026
Young salaried professional sitting with a laptop and notebook, thinking about money decisions and financial mistakes in their 20s.
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The Biggest Money Mistake Salaried People Make in Their 20s

Most salaried people believe their real money problems will begin later —when salaries are higher, families are bigger, and responsibilities are heavier. But the truth is far less dramatic. For…
Posted by Akash Shibu January 4, 2026
llustration showing a middle-class family with rising income on one side and rising living costs on the other, highlighting how higher earnings don’t always lead to financial security.
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Why Earning More Money Hasn’t Made Middle-Class Families Richer

Higher income on one side, rising living costs on the other — the reality behind middle-class financial stress. Ten years ago, earning ₹50,000 a month felt like stability.Today, even families…
Posted by Akash Shibu January 3, 2026

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  • The Illusion of Affordable Monthly Payments
  • Why Paying EMI’s On Time Still feels Stressful

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