Money Magazine ( Money logs )

This year, the RBI granted licences for payment banks to 11 entities. As e-wallets are expected to play a key role, you can start using these for discounts, cashbacks and other incentives. This, even as players like Paytm, PayU and Mobikwik are already offering significant cashbacks.

Credit cards are excellent financial accessories that allow you to purchase goods without cash. But apart from being just another financial tool, they are a lot more. Using your credit card responsibly will help your build your credit score, provide you with cheaper insurance plans and even get loans at better interest rates. Moreover, by using credit cards you can earn rewards and discounts on everyday purchases. While these reasons might have appeared very fancy and let us assume that you’ve already applied for your first credit card, as a first time user, there are also a number of important things that you should keep in mind before swiping your card.

Better job prospects, higher salary, attractive work environment, travel opportunities, unendurable circumstances in the present job, uncertainty or downsizing;  irrespective of the reason, you are likely to switch jobs at some point in your life.

Saving when becomes habit, increases your bank balance steadily and after a while makes you wealthy.  Savings have many forms but saving on food is somewhat different. No one seriously thinks about saving on food as no one saves on necessities. But a few smart ways can save you a considerable amount in this department.

Bank account is engrossed in everyone life. Bank acts as a guard to your money which instead of charging some amount provides an interest on money deposited. Moreover, it facilitates various other services for daily requirements such as making payment on your behalf, keeping your valuables safe in the locker, etc. 

Is chaos the first word that pops into your mind when you think of your finances? Take our seven steps to straighten out your financial life and regain control over your money… Life’s fast and 24 hours are so not enough these days. In between career, kids and commute, you have little time to think about reviewing your finances, let alone actually planning them. So, the bills pay themselves and your financial life follows its own course. While that’s understandable, it’s not advisable. Letting fate take over your finances may land you in some uncomfortable situations. Here’s a seven-step guide to organizing your financial life.

"There is no greater Harm than that of time wasted." ~ Michelangelo We are all aware of the artistic genius that was Michelangelo and his most beautiful piece of work: the Sistine chapel in Rome. Before you think there’s no link of him to money, let me assure you there isn't; but for this beautiful quote of his that cannot emphasise more the value of time. I've often heard friends /clients say " I'll start saving once I get married, I'll start saving once I'm 30, I'll start saving once the sun rises from the west " etc.. The excuses are many.