Ok not exactly poor, but you are 30 years old, married to a 28 year old earning well but BROKE. Poor maybe too harsh – but if all you have to show for 6 years of working is say Rs. 10 lakhs in the bank, well you are almost there. Your story? Let me tell […]

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There is only ONE reason why people get into debt. Living beyond their means. Make no mistake there is just one reason. However when people get into debt, and when they come to me, they justify on various grounds…I have very little sympathy -Satyam is never Sundaram, but always SHIVAM!! What are the main reasons […]

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Frankly this blog has not done enough justice to share good ways to save money while spending it! So here are a few thoughts (nothing original, I assure you). You must have heard it in some form or the other. Some ideas are so old that it is being touted as new in the USA. […]

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