In July 2023 Ragini found herself once again making her way back into the city of dreams - with all of its opportunities and all of its costs. So many costs!

Despite having done this rigmarole of moving house every couple of years often enough, Ragini found she wasn’t ready for anything other than the most basic costs of renting and moving.

So what better way to deal with all the surprises that to write down a comprehensive breakdown of her move in ₹ for all of us? So here’s Ragini’s lowdown on what was planned and what she actually spent and what to expect when moving home!

In this month’s Rags to Riches, resident finance geek Ragini talks about how she gamified her way to building a savings mindset.

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We are back with the second part of our Invest Like A Beginner series, where things now get sexier and so much more fun! This time Ragini takes you through the story of the beginner and the stock market - a push-pull romance for the ages.

In the previous edition, we talked about investing in Fixed Deposits and how it was a great place to get started at. But as safe as FDs are, in most cases they yield lower returns on your money than investing it in the stock market. And one of the biggest reasons to invest your money is to generate wealth.

And so the easiest place to start going a little bit bigger is the stock market! This month Ragini breaks down some stock market concepts and gives you some tips for getting started from her own experience.

After tackling Personal Budgeting in our last issue, we are back this month to talk about Savings!

Living on our entire paycheck each month can work fine for some months, but only until unexpected expenses or bigger spending goals show up. The minute there’s an emergency or if one simply needs to buy a pair of noise-cancelling headphones in order to work when the neighbour’s renovating, we're immediately spending money we do not have.

As Ragini puts it, "So while present me is comfy, future me is almost definitely living above her means."

This is the problem that Rags to Riches column works to fix this month.

So read on to find out how to start saving so that Future You and Present You are both living joyful lives free of financial angst.