To Do:
Start tracking your spending.
Evaluate your expenses every month and try to save as much as possible by compromising on some wants without hampering your needs.
Use those savings to experience new things as much as possible.
Invest some time in learning personal finance without cutting...
If you haven't had any loans or credit cards before, your credit score should be zero. 🤔
If your CIBIL score is actually around 300, don't worry! You can apply for an FD-backed secured credit card, such as IDFC Secured, Tata Neu Secured CC, OneCard, Super Money CC etc. 🙃
For HDFC CCs, use Payzapp 👍
Currently, third-party apps like Cred, MobiKwik, etc., are not functioning for paying extra amounts on credit cards beyond the billed amount (TAD). 😭
Apart from Secured CC, if your primary objective is to build Credit Score then consider opening Amazon Pay Later or any Pay Later account. Use less than 25% of the sanctioned Pay Later limit and pay the TAD atleast 5 days before Due Date.
This is how I started building my Credit Score and...
For me, yes, INDmoney is one of the best apps. As mentioned earlier, it’s my primary app for all my US investments and SIPs in Indian mutual funds. Additionally, it provides a smooth experience when it comes to tracking my overall investment portfolio.
For transparency, I also use AngelOne for...
Yes, even if your PPF contributions are sufficient for tax deductions, you should still consider investing in SSY because SSY not only provides tax deductions under Section 80C but also ensures that the entire maturity amount is tax-free, which is a unique benefit compared to other investments. 🤗
Contact your Branch Manager first
Try to chat with him using the upi ID on Gpay, if he's an honest person then their's some probability that he might return your money.
It wasn’t a roast, just a biased reaction to the statement about considering ULIPs as a long-term investment.
In some cases, ULIPs can be seen as tax-saving instruments and term insurance alternatives for those without proper income documents(after taking PMJJBY and PMSBY). ULIPs are mostly...
You can choose between INDmoney and Vested app based on your needs, as both are great options. ✌️
Personally, I’ve been using INDmoney for US investments and tracking all my investments, bank accounts, and credit cards for over 4 years. I’ve had a smooth experience overall, except for one...
Hey Neeraj!
It’s awesome that you’re planning for your baby girl’s future! While mutual funds are a great option, I’d also suggest looking into some safe and secure instruments like the Sukanya Samriddhi Yojana (SSY) and the NPS Vatsalya scheme. By combining these comparatively safer...
Think this way: you'll get the product for free by using the Amazon Pay balance, meaning you won't have to spend a single penny.
BTW Don't forget that Amazon Pay Balance expire after 1 year 🤑