The freefincal journey has taught us several lessons about human behaviour. Formoremost among them is what most investors want without stopping to recognise that it is impossible! We can restrict ourselves to investors and not savers.  That is, we only discuss those invested in the capital markets directly (stocks, bonds) or indirectly (mutual funds). So…

Apurba and his wife are new parents who would like to know how they should plan and start investing for their daughter’s future. An illustration. Their daughter is only about a week old. Starting early and starting right is the most important step in securing a future for our child. Some people would say “take…

A finance influencer or finfluencer is someone capable of influencing investment or insurance or money management decisions based on the content they create (articles, video, tweets, Instagram posts etc.). Sadly, many of them are capable of harming our portfolios. A discussion. Note: We are acutely aware that the opinions presented below also applies to freefincal…

In this article, Suresh explains how he uses bank recurring deposits to efficiently manage his family’s annual expenses. I requested Suresh to elaborate his email into an article in the hope that it will benefit readers. Hello readers, my name is Suresh. One of the long-time freefincal readers. This year, I had to pay an…

In this article, we discuss what investors should do if they have already achieved their target corpus years before when they actually need the money. Today this may seem like an unlikely scenario for most young investors reading this, but over the years we have encountered so many people who are in this situation. Investing…

The emergency fund or a stash of money that is meant to handle unexpected expenses is one of the building blocks of personal money management. Yet, many aspects of it are not obvious unless we have first-hand experience. A discussion. First the basics: We recommend putting away 20% of your take-home pay until you have…

In this article, we discuss how to set up a guide for our life partner or spouse to help them manage money in our absence. Let us call this the continuity kit. Absence here not only refers to the death of the main money manager but also refers to situations like job transfers, promotions (with less…

Marriage is just a union of two souls. Isn’t it? Why bring money into the picture and spoil the sanctity of the union? Right? While these thoughts are awesome in your late teens and early twenties, they could wreak havoc in both your financial and married life. ‘Money cannot buy happiness, ‘money is the root…

Is money the root of all evil or social media is giving it tough competition? While social media has unlocked a world of possibilities, made information more accessible than ever, and is bread and butter for a lot of us, it has also made impulsive shopping popular. The convenience comes at a premium and the…

In this article, author and content writer Smriti Tuteja discusses some financial aspects that couples should keep in mind while planning a family. About the author: Smriti is an author, artist, freelance content writer and avid reader. She quit her six-year-long IT career to embrace her love for writing. Her article – How much money…