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.

Click to play!

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.