Is Retail Really Therapy?

I know I said I’d talk about Balanced Portfolios in my previous post, but something happened yesterday that made me wonder – why do I shop when I am stressed?

So I Had A Bad Day

Ok, so remember my no-buy? I’d actually been doing pretty well. I haven’t bought myself any item of fashion or makeup ever since I decided on it. I skipped the Black Friday sales and even the holiday sales that are going on right now haven’t tempted me into buying anything. All that amazing progress, however, nearly came to a grinding halt yesterday. So I had had a terrible morning and a completely unproductive and generally crap day at work. As I made my way out of office, my first instinct was to deal with a bad day at work the way I always have before – by going to a mall and buying something new and shiny for myself. Read More

#WhatTheFinance – What is Equity?

There’s a great deal of fantastic financial advice from seasoned experts out there in the world, but the reason so many of us aren’t able to act on it is that experts generally tend to use technical terms or employ finance jargon. So when a finance expert says something like ‘you need to diversify your equity holdings’, the first question that pops into your head is what is equity, even? Read More

Going On A No Buy – Reorganizing My Wardrobe & Resetting Priorities

Yes, you read that right. I am not going to buy anything for a year. This (somewhat) drastic decision is the result of my taking the time last week to reorganize my wardrobe. I’ve finally come back to a size that is somewhat close to what I was pre-pregnancy, so most of my clothes fit me again. It was only when I reorganized my wardrobe, however, did I realize the enormity of the amount of crap that I had accumulated over the years. I know I talk a lot about sustainability and how humans are awful, but it turned out that I was a shitty human myself for purchasing what I did from the brands I did. Read More

#Ad Teeth Trouble? Check out Colgate’s New Swarna Vedshakti Toothpaste

colgate vedshakti toothpaste

Over the last month, I’ve had the opportunity to test Colgate’s new Swarna Vedshakti Toothpaste. The product, according to the brand is advertised as follows:

“The new Colgate Swarna Vedshakti is the Perfect Sangam of age-old ayurvedic ingredients and Colgate’s oral care expertise. It is packed with the goodness of Tulsi, Clove, Neem, Honey and Amla. The result is a toothpaste that gives the entire family the oral care protection they need and tastes great too!” Read More

Five Financial Rules For The Festive Season

The months from October to December mark our country’s “festive” season – where a number of religious holidays, weddings, good weather and a generally upbeat mood converge. This season sees a lot of gifting and plenty of sales both in stores and online. We are constantly told that their lives will be better if they buy X or use Y and that the happiest women are the ones who carry twenty shopping bags in each hand. While the festive season is a good time to pick up deals, remember these five rules before you check out. Read More

#SpennMoney – Skincare Worth Spending On

The texture of skin had changed completely after I gave birth to my baby in January. I had grown up with completely oily skin, but after delivery, it had become dry. As if the dry patches weren’t fun enough, I developed cystic acne as well. I’d never really paid attention to skin care all these years, and it showed because I had no clue what to do (apart from being depressed). I did a bit of research and concluded that I needed a routine – something that wasn’t very complicated, and at the same time, ensured that my skin got the care that was required. Read More

#WhatTheFinance: A Basic Introduction To Credit Cards

I was 18 when my father gave me my first credit card, an American Express add-on card that I could use only in the case of emergencies. I was very excited about that card – I even considered it to be my financial coming of age. Looking back, my American Express card was probably the worst card I could’ve had for “emergencies”, simply because not a single store accepted the card back then. Read More

Here’s Why You Should Know How To Calculate Return On Investment

Note: This post was edited on January 12th 2018 because the graphic showing return on investment for 8 months was wrong, as pointed out by commenter NMK. I try very hard to avoid mistakes, but shit happens! Always grateful to readers who point it out. I’ll also ensure that it doesn’t happen again. Check, double check, triple check! Thank you.  Read More

#WhatTheFinance – What Are Mutual Funds?

In my previous post, I had written that I would write about calculating returns on Mutual Funds. However, I got comments asking for a basic guide to Mutual Funds, so I guess it would make more sense to talk about what Mutual Funds are, in greater detail, before I talked about calculating returns. I wrote a guide to Mutual Funds as part of my Rupee Rani  column, and I wanted to consolidate them, initially, but changed my mind. An overdose of information is likely to cause more confusion than provide clarity. Instead, I have broken down my guide to short posts, which I hope will be more clear. Read More

I Invested In An SIP Mutual Fund For 22 Months And Here’s What Happened

Why SIP Mutual Funds?

About two years ago, I began investing a portion of my salary into an SIP Mutual Fund. I chose to invest in an SIP Mutual Fund for two reasons – the first reason was that I was investing for the long term, and so, I could take on a greater amount of risk. The second reason was that SIPs allowed me to make small investments every month, as opposed to a large one time investment (which I didn’t have the money for). I’ve been paying out instalments for 22 months now, and I thought I’d share how it’s working out for me so far. Read More