Author: Mandy
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How to Start a SIP with ₹500 a Month
A SIP lets you invest a fixed amount each month in a mutual fund. This guide explains how to start with ₹500, what to check first, and what the risks are.
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How Much Loan Can I Get If My CIBIL Score Is 0?
CIBIL 0 is not a bad score. It means less than six months of credit history. This guide explains how lenders decide the amount, and why income and EMI affordability matter most.
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How to Increase Your CIBIL Score: A Step-by-Step Beginner Guide
A beginner guide to raising your CIBIL score with steady habits, and a realistic six-month plan to follow.
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How to Reduce Your Loan: 12 Practical Ways to Pay Less Interest and Become Debt-Free Faster
12 practical ways to pay less interest on your loan, including part-prepayments, one extra EMI a year, refinancing, and checking charges first.
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30 realistic ways to save money every month
Thirty practical ways to save money every month, starting with the bills that save the most, plus grocery, household and shopping tips.
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Debt snowball vs. debt avalanche: which should you use?
The debt snowball pays smallest balances first; the avalanche pays highest interest first. Here is how each works, a real example, and how to pick.
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How to build an emergency fund (even on a tight budget)
How much to keep in an emergency fund, where to keep it, and practical ways to build one when money is tight.
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The 50/30/20 budget rule, explained with examples
The 50/30/20 rule splits take-home pay into needs, wants and savings. How it works, examples at different incomes, and what to do when your needs are over 50%.
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How to make a budget for beginners (step by step)
A simple, step-by-step way to make your first budget, with a real example, the main budgeting methods, and why most budgets fail.