PERSONAL FINANCE Archives - Page 2 of 2

credit card habits that affect everyday spending decisions

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…

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.

finance

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,…

Akash Shibu January 7, 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.

finance

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…

Akash Shibu January 3, 2026

finance

The Personal Finance Guide No One Ever Taught You: Master Your Money Step by Step

You check your bank account on a Tuesday morning and feel that familiar knot in your stomach. The numbers don't quite add up the way you thought they would.…

Akash Shibu July 11, 2023