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.

If you’ve been following along, so far we have covered Personal Budgeting and Creating a Savings Plan. This month we take on Investments. This is the first in a 3-part series.

Breaking down investments in a way that a person with no financial background can understand is a tough ask. But when the going gets tough, you get ArtNowThus!

Starting from the basic question: "Do I need to invest?" we break down the why’s and how’s of investing. We hope that this article gives you the confidence you need to take your first step down the yellow-brick road to investing like a pro without being overwhelmed.

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.