Finance

The Indian Budget 2018 – Personal finance highlights you shouldn’t miss

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If you are pretty aware of the Indian Budget 2018, you will know that it was one of give and take. However, keeping the taxpayer in the forefront, it was more of ‘take’ than ‘give’. On one side, Arun Jaitley brought into effect the standard deduction once again and offered few new reasons to cheer to the seniors and also increased the total take-home pay of women who are employed in the workforce.

At the same time, he took away all the travel and medical allowances for the entire salaried employees and instead introduced capital gains tax on equity for the long term and even increased the cess which people had to pay on income tax. Here are few personal finance takeaways that you should learn from Modi government’s latest budget and implement them before the upcoming year.

#1: There’s no change in the slab of income tax for the individuals

Due to the fact that the Indian government had made different sorts of positive changes to the rate of personal income tax which are applicable to the people since the last 3 years, Arun Jaitley left the entire income tax slab unchanged this year. Hence the impact on people is NIL.

#2: Income tax cess increased to 4%

Budget 2018 was said to increase the cess on the income tax, straight from 3-4% and this in turn increased the tax that is payable by all categories of tax payers. This hike will have an impact on all different sections of the taxpayers. Due to this hike, the tax liability of the income bracket with highest tax will increase to Rs. 2625. For the middle income tax payers, their liability will soar up by Rs. 1125 and the marginal increase for the lowest bracket will be Rs. 125.

#3: Reintroduction of standard deduction

Budget 2018 has provided a new standard deduction of Rs. 40,000 from salary income to the employees. If you don’t know what standard deductions mean, it is a flat amount which is deducted from the income before tax calculations on the income. This was a part of the Income Tax Act till the finance minister, P. Chidambaram. This standard deduction will just benefit the non-salaried people and the pensioners.

#4: Transport and medical allowance knocked off from salary

As the Budget 2018 offers yet again the standard deduction of Rs. 40,000 from salary income to the employees, it even takes away annual transport allowance of around 19,200 Rs and medical reimbursement of 15,000 Rs. Once again, the salaried employees will certainly be at a disadvantage. Individuals with income of more than 5 lakh would shell off more tax after the standard deduction. This will have a neutral impact on the pensioners.

Therefore, when you’re a resident of India and you don’t know how to adjust your personal finances in accordance with the Budget 2018, you should definitely take into account the above mentioned factors. Stay on top of your finances and make sure you don’t take any wrong steps which boomerang your decisions in the long run.


Women also need to plan their financial roadmap – Resolve on this Women’s Day

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There’s no denying the fact that all women should have a pre-fixed goal based fiscal roadmap in place, irrespective of their work status or their marital status. Women were actually more involved in handling day to day finances and their family budgets. But as times keep changing, there is also a demanding role that needs to be played by women in settling down with some long term financial goals. Their children’s education, retirement, saving for family are few among the many long term goals that you need to set. When there is a family which sets all the goals together, the members tend to feel invested in making decisions and hence they save towards achieving the same goal.

There are several facts that women should be aware of before drawing a financial road map for themselves. What are they? If you don’t know what they are, here are few things that you should take into account.

It is important to participate in family finances

Traditionally, it has been seen that women were always less involved in the fiscal aspects and in making investment decisions. Due to this, they have always had very restrained knowledge on the different investment areas and on the overall fiscal situation of the family. It is vital for the women to stay aware of all the documents, investments and loans that are not only in their name but also in their family member’s name. When they try to stay involved in such family matters, they get a keen understanding of the different financial instruments.

Financial literacy should be worked on

Usually it is nothing but the lack of knowledge which leads to so many women taking a backseat as long as your finances are concerned. Due to the lack of knowledge, they hesitate to learn more regarding financial products since they rely on men who can instead take the lead in such areas. Hence you should read magazines, newspapers and online content on finances so that you can get a definite understanding on finances and remain updated on the developments that are going on at the current moment. You can choose an advisor who can help you in enhancing your knowledge on financial products.

You have to be prepared for different emergency breaks

Being a woman, you have to be careful about saving enough money in your bank account, so much so that you can go without money for at least 6 months. The spouse also has to contribute equally to maintain this emergency fund. Experts always suggest that women should always have an emergency account and they should always be prepared in order to tackle them. Hence, it is vital to have spare cash at hand at any given moment.

Prepare for retirement

Women should be more cautious about their retirement time since they tend to have a longer lifespan when compared to men. Hence, throughout their lifespan, they should remain fiscally healthy. As it is more likely that women may face more financial hardships, they should work towards crossing all obstacles and financial hardships so that they could live longer and lead a happy life.

Therefore, being a woman who is thinking of celebrating this Woman’s Day in the most worthwhile way, you should take into account the above mentioned ways of understanding household finances and everything about it.


Are you someone who is on a credit diet?

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Since it’s almost February end, it’s that time of the year when majority of us are striving hard to meet out New Year resolutions which range from curbing intake of carbs and calories, losing weight, restraining intake of alcohol, eliminating all sorts of toxic relations and emerging into being a better person altogether. The list of ‘fresh starts’ will continue and most often it is seen that the resolutions last for just a month and then they fizzle like ever year and we all sleepwalk into our old bad habits. Till the next New Year arrives, we again wish to make the same resolutions and follow the same fate.

The credit gurus advise people on sliding onto a credit diet. One of the most vital things for your well-being is financial health. Majority of the consumers, as per National Credit Regulator’s Credit Bureau Monitor, around 10 million people are credit overweight and they should immediately go on a credit diet. If you thought ‘credit diet’ to be a quick-fix diet, you’re wrong as this is rather a change to lifestyle which requires discipline. For few consumers who are credit overweight, weight loss (Credit) might occur quickly whereas few others may take time.

Factors which lead to unhealthy credit lifestyle of a consumer

What are the few factors which contribute to the unhealthy credit lifestyle of the consumers which lead to so much debt in the nation? Here are few:

  • Instant gratification: People nowadays are not ready to for wait for a certain period of time for buying something that they have been dreaming of. Even when they don’t have enough savings, they immediately buy with their credit cards which lead to the vicious cycle of debt.
  • Not enough knowledge: People are extremely ignorant about what credit is, what its cost is, the fees, the interest rates, the penalties for non-payment and late payment. This ignorance leads to making poor financial decisions in the future.
  • Over indulgence: They tend to take out credit or respond to the advertisements of the credit card companies. Even when they have credit cards already, they have the habit of taking on more cards without any reason.
  • Peer pressure: There are many who feel the pressure of matching up with their peers regarding credit maintenance. When their peers take on new line of credit, they too feel the pressure of taking on so that they could brag about them in family or friendly gatherings.
  • Unforeseen situations: If you lose a job or there are sudden expenses for which the consumers don’t have any provision, then they take resort to credit.
    Keeping up with the credit diet plan
  • Shun unnecessary offers: You will get many ‘pre-approved’ and ‘you qualify for’ offers which if you fall for will lead you to debt. If you don’t want unplanned monthly instalments, don’t fall for such offers.
  • Clean your credit record: It’s vital for you to pay off your unsecured debt on time and also in full amount. If you make late payments or you tend to skip payments, this information will reach the credit bureaus and hence will hurt your score.
  • Have a debt payment plan: You need to start off with paying back the debt which has the highest interest rate. As the debt is paid off, make sure you close the account.
  • Stop binge spending: Just because your friends took a new credit card doesn’t mean that you too have to get more credit without any reason. Stay away from impulsive credit.

Therefore, now that you know the ins and outs of going on a credit diet plan, follow them in order to adjust your lifestyle accordingly and stay on top of your finances.


How to improve your financial situation and lead a life free of worries

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Financial security is not about setting yourself free from debt. It’s actually about enjoying the freedom of making your own financial decisions. You must listen to your inner voice instead of letting your decisions be influenced by the balance shown in your bank account. This article throws much light upon the vital aspects of personal finance, especially for those that wonder how to secure financial freedom.

1. Draw a family budget

Budgeting is truly important for every individual, but you often tend to forget it. This is an important aspect of personal finance as you often tend to spend more than what you earn every month. You’re bound to meet with a financial crunch sooner or later if you continue to overspend now.

You must plan your expenses in advance if you really want to restrict yourself from overspending. Budgeting is a very important step that you ought to consider at this juncture. Budgeting helps you to make a list of all your expenses and identify those that you can’t do without. This way you can actually set aside a specific amount towards each of your expenses.

You shouldn’t be spending more than what you have in your account. You’ll need to cut back on your overspending habit once you draw a budget.



2. Pay off all dues

Paying off dues early on holds the key to your financial success. Your entire financial situation gets better when you start paying off your debts. Carrying your debt burden to the future often keeps you from pursuing your long-term future goals. You’ll move one step closer to your financial freedom when you consider paying off debt as a top priority in life. Both the snowball method and the avalanche method are very effective in meeting your dues. You’ll need to compare various repayment methods and pick the best one for yourself. You may curb certain unnecessary expenses and use your extra savings towards loan repayment. It’s certainly going to be a small sacrifice for achieving financial freedom regardless of whether you’re keeping yourself from dining out or from visiting a theatre. You must try to earn more if you really wish to expedite the repayment process.

3. Save for your golden years

It has become a natural practice to carry your debt till retirement. It poses a serious barrier towards your plans for enjoying the golden years. Some of our living expenses aren’t covered by the time we retire. This happens since all of us don’t have the same potential to earn our livelihood. The variance of our income leaves an impact on our savings and financial planning for the future. Your financial freedom depends a lot on how much you’re able to save for your retirement. The balance that you have in your bank account gets compounded every year depending on your annual saving potential. It enables you to achieve a better financial position and enjoy the rest of your life after retirement.
Adopting a few extra monetary measures will certainly help you manage your financial situation, pay off dues, and save more. You may consult with your creditors about filing bankruptcy, settling debts, and choosing repayment plans. It will certainly help in improving your overall financial situation within a short span of time.


Coping When Your Earnings Take A Sudden Tumble

The idea that your earnings can take a sudden tumble can be a stressful one, but it’s something that can happen to almost anybody. It can be especially alarming if you don’t already have a firm hold over your finances and have been living paycheck to paycheck. Maybe you’re actually on maternity leave and your drop in income has come from that, or maybe you’re ill, or maybe you’ve simply had to take a pay cut. Whatever the reason, knowing how to cope when this happens to you is crucial.

Here’s how you can cope when your earnings take a sudden tumble:

Start Budgeting ASAP

The first thing you need to do is start budgeting, if this isn’t something you do already. Many people simply make sure they have enough for their bills, and then spend the rest on whatever they like. However, there’s a flaw to this. If you’re not dividing the money you have left into separate pots too, then you might realize you can’t afford something when it’s too late. For example, you should allocate a bit to eating out, a little to toiletries, and so on and so forth. If you spend everything you have left over in your favorite clothes shop, you’re going to be upset when you realize you can’t afford the family meal that has been planned for months the week after. Budgeting is smart and doesn’t mean you have to scrimp and save every single thing you earn.

Find Ways To Destress

Losing earnings can be stressful, so find ways you can destress. Spend more time doing the things you enjoy, take part in some yoga, maybe even meditate. Don’t let this stress get the better of you. Use this time as a learning curve to change your mindset, start talking positively, and your situation might just improve. Even if it doesn’t, you’ll feel happier. Here are a few ways you can feel less stressed:

Deep breathing – try the 7/11 breathing technique.
Yoga.
Meditation.
Baths with salts.
Aromatherapy.

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Figure Out Where You Can Start Reducing Your Expenses

There are more than likely ways you can begin reducing your expenses if you look closely enough. How much you reduce can depend on the amount you’re losing out on. For example, when was the last time you looked at new utility bill suppliers? You could be losing money if you haven’t checked for a while. You can work on saving energy in the home, and even downsize your car. The average person tends to spend $2000 on average on eating out per year too, so see if there’s a way you can cut back on this.

See If You’re Entitled To Compensation

If you’re losing income due to an accident that wasn’t your fault, you may be able to claim compensation. However, you’ll need to discuss your circumstances with a professional company like Crossen Kooi Law Firm first. Compensation may not be available for everybody, but it may be available for those who are injured, or those who have unfairly lost their jobs.

Get All The Help You Can

Help is out there, so don’t suffer from this change in lifestyle alone. Get the help that you can. See if you can speak to a financial advisor for free and use the advice that they give you. See if you’re entitled to any government benefits – this can vary depending on where you are in the world. Food banks can be find in a multitude of places, so if you need them, don’t be too proud to go along. They will be able to help you, especially if it’s an emergency.

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Let Your Loved Ones Know What’s Going On

You might be too proud to tell your loved ones what’s going on, but you should find a way to tell them. Most of the time, they will want to help. At the very least, they’ll want to be sure you’re ok. Sometimes, having somebody to talk things through with can make all the difference.



See If There’s A Way You Can Earn Extra Income At Home

The more sources of income you have, the less you have to worry if one of them is struggling or you even lose one. This can take time, but you’ll be glad you did it in the future. Start by selling things you don’t need or use. Walk around your home and imagine that everything has a price tag attached to it. If you haven’t used something in a few months, chances are, you’re safe to sell it!

How about starting something on the side? People can usually do this with nothing but a laptop and the internet these days. Of course you may need to teach yourself a few new skills using YouTube and other resources, but it isn’t impossible to replace the income you’re losing if you’re determined. All you need is a can-do attitude and a willingness to learn.

Avoid Get Rich Schemes At All Costs

When you’re losing income and you’re feeling desperate, it can be tempting to look at get rich quick schemes to make money. However, you should avoid these at all costs. Anything that seems too good to be true probably is. Avoid pyramid schemes. If you’re not sure what they are, research them. Ever noticed how people will brag about how much money they’re earning on social media and then try to recruit people as part of their team, claiming they can earn an uncapped amount of money? Those are the things you need to be wary of. It’s not impossible to make money doing it, but it isn’t as easy as they make out – they’re probably not making as much as they make out either.

Coping when your earnings take a sudden tumble can be tough, but don’t fret. You can get back on your feet when you start using the tips outlined here. Stressing out about your situation will only make things worse. Find somebody to confide in and look after yourself. Thanks for reading!


Best monetary moves that you should make in 2018 – Welcome the New Year wisely

Now that we have just a week left to kick off 2017 and welcome 2018, do you think you’re ready financially? Or are you someone who still wishes to set aside some money and educate yourself on the gross money issues? If answered yes, you’ve clicked on the right post as we’ve rounded up some advice from financial advisors, bankers and brought about few ways in which you can improve your finances.

While some of them will lead to immediate savings, there are some others which can lead to long-term benefits. Nevertheless, each of them can have an impact on your overall financial plan. Check out the tips to take the best monetary moves in 2018.

#1: Do away with the fear of seeking help of a broker

Learning the art of investing money is indeed a great skill and your apprehensions may be based on just the idea that you are not familiar with any idea on investment. Conjuring up thoughts of handling a chunk of your dollars without any such guarantee of it growing is indeed terrifying. The way out is getting educated. A broker is nothing but an intermediary between the investing world and you and he is the one who can help you take the right financial decisions.

#2: Get the right insurance coverage

There are few states where the car insurance costs can rival the mortgage payments. Do you drive an old car? If answered yes you needn’t pay for physical damage coverage as that would practically be wastage of your dollars. If you calculate that the present value of your car is $1000 which is equivalent to the deductible of your insurance policy, it’s not worth taking. When you drop your physical damage coverage, you tend to save money on premiums.

#3: However small, take action towards devising a financial plan

Do monetary worries give you sleepless nights? Are you living from one paycheck to another and you simply can’t move ahead of that? Do you nurture the dream of buying a house but you can never figure out how you could save for the down payment? Well, hope isn’t a plan and as per a financial expert, the antidote to anxiety is action. So, unless you take action, you’re not going to reach your financial goals in 2018.

#4: Know the strategies of filing Social Security

It has been found that the strategy matters as long as claiming benefits of Social Security are concerned. While some start collecting the benefits at the age of 62, others wait till they turn 70 because that is the stage when monthly payments increase by 8% per annum. Hence, it is worth conducting a detailed analysis of your options.

Therefore, now that you know the smart tips for kicking off a successful 2018, what are you waiting for? Start following them word to word and get the best results with your personal finances in the New Year.


Accomplishing your financial goals in 2018 – Few noteworthy tips from experts

As we know that New Year is right around the corner, there are many amongst us who feel that there are lot of places where we need to catch up financially. Whenever we are not careful about our finances, debt can drag us down and become a never-ending issue. Every year you will think of planning something against debt but this will not be the case forever. Although this will require enough discipline and hard work, yet by following few simple steps, you can create a bright financial picture in 2018. Here are few steps that you can choose to take this 2018.

? Determine your long-term mission

Whether you have a long-term goal of saving for your law school or buying a new car or buying a new home, it is your long-term goals which can drive you towards taking the right decisions. If you lead a disciplined life, your goals will soon become attainable within few years and you won’t require sticking to your budget for a very long time. Establish a savings plan as this is going to be a great cursor towards moving forward.

? Contribute money towards your passion

This is definitely one of those most underrated pieces of fiscal advice shared by experts. Yes, you should devote enough money towards your passion. While it is true that majority will just give you an advice to just save, curb expenses and invest, it is also necessary to spend enough money on yourself and on your passions as well. Keep aside money to buy the best audio system if you’re a music-lover.

? Investing is a MUST

While establishing a long-term savings plan for making the bigger purchases like a car or a house, it would be
beneficial to start investing money. CNBC notes that around 80% millennials presently don’t invest in stocks and this implies that most people don’t see gains for around 5-10 years. When you start investing, it will be worth waiting.

? Choose a passive source of income

If you find yourself in a position where you immediately need cash apart from the money that you make every month, then opting for a side hustle can definitely be a good idea. As per recent reports, around 35% of the Americans are all involved in some kind of side job. So, if you’re intrigued by the idea of a side hustle, make sure you choose something which you can make out time for even after completing your day job.

? Curb all excess expenses

Although this is not fun but you need to cut down on all those extra expenses as this is extremely critical for you to accomplish your goals. If you know you love to go out and have your dinner outside, make sure you change this habit. Such small steps will definitely contribute to accomplishing your goals.
Hence, as we prepare ourselves to welcome the New Year, make sure you take all the above-mentioned steps to move towards achieving your financial goals for 2018.

 


Enhance the relation between marketing and finance – Few handy tips

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We can’t deny the fact that the relationship between marketing and finance is indeed a rocky one even though both the teams lie in the same company and when they’re working for similar goals. It is assumed that all marketers are creative people when the finance people are worried about cash flow statement. Nevertheless, the cooperation between such disparate pieces is extremely important.

Marketing team seems to be just as important to a company as the finance team. While they use their different skill sets, they can even work along with each other being a successful team with the same working conditions. This kind of collaboration and cooperation is something we usually look forward to before we finance a new company as this is what makes the difference. So, how can the marketing and finance department work together as a team to ensure that the business money is spent at the right place?

Here are few tips.

#1: Lines of communication should always be open

It is seen that the marketing department is always going to keep asking for more while the finance department will work on cutting down the budget to save money. Neither of them invests time to sit with the numbers and relate the reason behind so much money and why it requires being deducted. You should ensure both sides are given the opportunity to sit down in a session where marketing can explain how and why the bottom line number met. Begin to have few interdepartmental meetings before these meetings.

#2: Success stories should be shared with the finance department

Whenever the finance department views a big expenditure, without even trying to know the details on it, they will try their best to prune it because that is their job. But at the same time, if the marketing department takes enough time to explain that the item will bring in so much traffic and assist in brand positioning, then this might force them to give it a second thought. So, success stories should be shared with the finance department.

#3: Be responsible financially

Not only should you be fiscally responsible during budget crisis but during all times. Proactive is the key and you need to visit the finance department for suggestions on the way you can cut back on non-essential expenses. The finance department will literally love that and you can also give some suggestions to the finance department on how they can cut back expenses. They need to be dedicated towards maintaining a solid budget.

#4: Begin to think like finance

Don’t approach the finance department ever with a vague proposal or with some project which you will fail to nail down to the last dollar. Finance doesn’t like it when you say “a couple of hundred dollars” or something around that number. You have to be definite and hence do your homework and get the numbers ready for purposes of inspection.
So, now that you know the different ways in which you can improve the alliance between your finance and marketing department, what are you waiting for? Follow the tips to build a great successful relationship.


Why You Should Put Your Money in a CD

Have you been in search of various ways that you could save your money and watch it grow? Then you have likely come across the option of getting a certificate of deposit, also known simply as a CD. But what are the perks of putting your money into a CD, and what are some of the things that you should consider before doing so? Continue reading to get all the answers to these important questions.

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You Might Get a Better Interest Rate

Regular savings accounts at your local bank may not offer a very high interest rate, so you might find that your money is not growing fast enough. When you opt to put your money into a CD, however, you might find that the interest rates that are offered are quite a bit higher. This means that you could reap the benefits of saving your money in the bank and you could get higher returns. Just keep in mind that different banks will offer different CD rates, so it is a wise idea to do some comparing of rates between banks before settling on the one that will get you the biggest return.

It Is a Safe Way to Invest

There are plenty of ways to invest your money today, but they are not all created equal, especially when it comes to the level of risk that is involved. Putting your money into the stock market, for example, might be too risky for your liking, so a CD would be a great alternative. Certificates of deposit are considered a safe way to invest your money, particularly when you are putting your money in a bank that is FDIC insured. As long as you do not have more than $250,000 in that bank, you will be covered even if the bank ends up failing in the future, so there is no risk of losing your hard-earned cash.

You Get a Guaranteed Interest Rate

When you look at your CD options, you will notice that some CDs offer higher interest rates than others, based upon how long you are willing to keep your money in the CD. So a 3-month CD might have a lower interest rate than, say, a 6-month or a 12-month CD. Oftentimes, the longer you are willing to keep your money locked in the CD, the higher the interest rate will be, but this is not always the case. No matter what you decide, though, that interest rate is guaranteed, so you could predict how much money you will get once the CD matures.

Consider That You Have to Keep Your Money Locked in

The biggest downside to a CD is the fact that you have to keep your money locked in it until it matures. If you decide that you want to take your money out earlier than the maturity date, or you need the money and you simply don’t have a choice, you will end up paying a penalty.

Once you weigh the pros and cons of putting your money into a CD, you’ll be able to decide if this is the right investment strategy for your money.


Make A Resolution To Improve Your Finances This Year

Whether you’ve found yourself in a tricky financial situation or you simply never have enough excess cash to fund those luxuries you’d love to be able to afford, there’s always a way to come back from a dwindling bank account. Fixing your monetary situation starts with smarter planning. If you earn minimum wage (which you should, by law, if you have a job) then you should be able to live a happy and secure life. It’s just about knowing how to safeguard your money and only spend it on the things that matter. Make a resolution to improve your finances this year. Here are some pieces of advice to help you with that.

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Get your financial house in order.

If you want to improve your finances this year then you need to get your monetary house of cards in order. Organization is the key to success in all walks of life and this is particularly true with regards to your personal finances. You should form a budget so as to track your expenses and make sure they don’t exceed your monthly earnings. As suggested over at bettermoneyhabits.bankofamerica.com, you can really make more of your money if you know how much excess income you have available every month or every week. Of course, as mentioned on our site before, you should also stop overspending for the sake of reducing your debt or reducing the risk of accumulating debt in the future. We’ll discuss that further in the next point.

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Learn to deal with debt.

You’re probably thinking that the best way to deal with debt is to avoid it altogether, right? Well, that’s actually not the way to approach this “taboo” word. Debt isn’t inherently bad. At the end of the day, we’re talking about the concept of borrowing money. If you borrow money excessively then you’ll accumulate bad (and easily avoidable) debt. The key is to spend smartly (as suggested in the first point) so that you don’t have to borrow money to make ends meet. But many of us need to borrow money to fund expensive things in life such as down payments on a new property for the family or perhaps even a new car.

When you do need to borrow money, you simply need to take on debt that you can afford to repay, as explained over at thebalance.com. That way, you’ll build up a good credit rating and lenders will trust you enough to give you a respectable loan. You should also check out sites such as best.creditcard to do a little research into the best credit cards on the market. The type of card you use can affect the security of your money too. The message to take away from this point is that you should take debt seriously. Don’t borrow money that you won’t be able to pay off over the course of the following months, essentially.

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Set aside some of your earnings.

If you want to save money then you need to think about the bigger picture, as explained over at briantracy.com. Saving just a small portion of your earnings on a regular basis will help your wealth really accumulate over the years and provide financial sturdiness for your family in the future. If you set up a standing order that automatically transfers money to your savings then you won’t have to worry about blowing all your excess earnings every month. You could easily spend your disposable cash today but you need to think about tomorrow.


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