budget planning

You just got a raise. So, naturally, you reward yourself – a better phone, dining out more often, maybe you upgrade your car. After all, you’ve earned it. But this …

I am a 35-year-old working woman living in Pune with a 4-year-old daughter. I earn ₹1.2 lakh per month, and my husband is a freelance designer with a fluctuating income.  …