My favourite things in life don't cost any money. 

- Steve Jobs

People always have a love-hate relationship with money. This who have it, love to have more and those who don’t have it, they hate who have it. 

See MJ DeMarco’s excellent book The Millionaire Fastlane: Crack the Code to Wealth an Live Rich for a Lifetime. Watch-out summary of this book under my Good Reads section.

Being on top of one’s finances feels amazing.


  1. Get rid of debt as quickly as possible; only take on debt if absolutely necessary.
  2. Don’t spend more than you earn.
  3. Build savings – long-term investments, emergency funds, buffer funds.


You Need A Budget (YNAB) – A budgeting app. Being semi-automatic, it demands lot more manual efforts every month to feed-in category-wise budget. Reports generated are very intuitive. 

Short-term Investment Plan – A SIP is a hassle-free mode for investing money in mutual funds. I have automatic investing set up so that every month, after my important payouts gone, it’s immediately withdrawn from my account, so I hardly notice it.

Credit Score - You check your credit score quickly through sites like Creditmantri. This tells about your creditworthiness and this has become important parameter these days for lenders.


YNAB is where I do most of this. I review my expenses every month and make sure I’m okay with where my money is going.