Festive Budgeting 2025: Celebrate Dhanteras Without the Debt Hangover
From Dhanteras to Diwali, hearts open and carts fill—right as brands push “zero-cost,” “no‑cost EMI,” and “instant BNPL” offers that look harmless but rarely are. Industry trackers show BNPL usage jumps 25–40% during the Diwali window, average ticket sizes rise 10–18%, and delinquencies tick up in the first post‑festive billing cycles. Easy credit, especially when […]
महीने के अंत का डर: छूटी हुई EMI से होने वाली चिंता और अनिद्रा
लाखों भारतीयों के घरों में हर महीने की 28-29 तारीख़ आते ही एक अजीब-सी बेचैनी होने लगती है यह कोई सुबह का अलार्म नहीं, बल्कि EMI की आखिरी तारीख़ का डर है जो धीरे-धीरे दिल की धड़कनें बढ़ा देता है। पहले EMI का मतलब सिर्फ़ एक भुगतान था, आज यह तनाव और चिंता का दूसरा […]
The Month-End Dread: When Fear of Missed EMIs Causes Anxiety & Sleepless Nights
Every end of the month, an alarm rings in millions of Indian homes—but you won’t hear it in the streets. For many, it’s the reminder that EMI due dates are looming, the calendar days marked by dread, not celebration. In a nation where nearly 11% of adults face mental health challenges and financial anxiety is […]
क्या EMI न चुकाने की टेंशन आपको मानसिक और शारीरिक रूप से बीमार कर रही है? जानें 7 गंभीर लक्षण
भारत में लाखों लोगों के लिए, खासकर Middle Class के लिए, EMI और कर्ज का तनाव एक कड़वी सच्चाई है। अक्सर सभी लोग इसे अनदेखा कर देते हैं, जिसका उनकी मानसिक शांति पर गहरा असर पड़ता है। Money and Mental Health Organization की एक रिपोर्ट के मुताबिक, जिन लोगों पर कर्ज का बोझ होता है, […]
Sleepless Nights? 7 Signs Missed EMIs Are Hurting Your Mental Health.
Financial stress from missed EMI payments and multiple debts is a common yet unacknowledged reality for many in India’s middle class, significantly impacting their peace of mind. According to the Money and Mental Health organization, debt problems make people with depression 4.2 times more likely to remain depressed after 18 months. This article, focusing on […]
Case Study: From Financial Crisis Amidst a Health Emergency to Breathing Space for Growth
The outstanding amounts of the loans as of December 2023. Which is roughly 1.83 Crores and the whole debt was settled for 50.65 Lac with an Average Settlement Amount of 5.06 Lacs and an average discount of 72.39%. × Challenge In July 2023, Vinod Gavhane faced a critical personal and financial crisis. Amidst managing a […]
Financial Literacy: What It Is and Why Is It So Important?
In a world of economic uncertainties and ever-increasing financial complexities, the importance of financial literacy cannot be overstated. It is the compass that helps us navigate the intricate maze of personal finance, allowing us to make informed and effective decisions with our money. But just what is financial literacy and why is it so important […]
Personally Handled Debt Management vs. Professional Debt Counseling: Which Is Right for You?
Do you know that while it’s entirely possible to manage your debt on your own, thousands of Indians have ended up deeper in financial distress because they didn’t understand the complexity of repayment, negotiation, and legal frameworks? Professional debt counseling is gaining traction in India due to rising credit card debt, BNPL defaults, and personal […]
Case Study: A New Beginning – Mr. Logesh Venugopal’s Journey From 23 Loan Defaults to Debt Freedom
The outstanding amounts of the loans as of December 2023. Which is roughly 1.83 Crores and the whole debt was settled for 50.65 Lac with an Average Settlement Amount of 5.06 Lacs and an average discount of 72.39%. × Challenge Mr. Logesh Venugopal, a 40-year-old salaried professional from Hosur, Tamil Nadu, found himself ensnared in […]
How Buy Now Pay Later (BNPL) Affects Your CIBIL Score
Did you know that trendy “Buy Now Pay Later” (BNPL) options on quick commerce apps and websites could quietly damage your credit score if you’re not careful? As highlighted by Business Today, young Indian consumers are increasingly falling into BNPL traps, unaware that missed or late payments are reported to credit bureaus like CIBIL, affecting […]
