The Blog
Money behaviour.
Made readable.
One financial behaviour per article. Real situations. Verified numbers. No jargon.
Can a ₹15,000 SIP really make your home loan interest-free?
The strategy is everywhere. The math is real — ₹1.5 Cr corpus against ₹1.08 Cr interest. But there is one assumption buried inside it that changes everything. We ran the numbers.
Your credit score has a rupee value. Here is what it is.
A 650 vs 750 score does not feel like much. Until you calculate what it costs across a 20-year home loan. The number is ₹15,66,680. We verified it.
First salary. 48 hours. Two very different decisions.
The first salary is the first time you decide who you are with money. Most people never make that choice consciously. Here is what it looks like when you do.
Why you overspend at the end of the month — and it has nothing to do with willpower.
Present bias, mental accounting, and the remaining balance trap. The psychology behind the most common money leak in Indian households.
Prepayment always saves money on a home loan. Does it?
The conventional wisdom says pay off your loan early. The math sometimes says something different. Myth Series #2.
The EMI that felt small until it did not. The real cost of lifestyle debt.
₹4,999 per month does not feel like debt. Until you add four of them together and realise you have committed ₹2.4 lakh before the year starts.
The SIP everyone starts. The reason most people stop it.
Starting a SIP is not the hard part. The hard part is month 8 when your portfolio is red and every instinct says stop.
