Money Management and Financial Planning

Money Management and Financial Planning covers personal finance basics, setting goals, budgeting, debt management, emergency funds, investing, credit scores, and estate planning. Additionally, it dives into advanced budgeting, debt elimination, investment vehicles, tax planning, real estate, risk management, alternative investments, and early retirement.

2 Seasons

Season

Foundation of Financial Literacy

Foundations of financial literacy encompass budgeting, saving, investing, debt management, tax planning, and cultural considerations. These aspects are crucial for personal finance management and achieving long-term financial goals.

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E01: Money Mastery The Art of Budgeting and Saving

05 mins

Mastering finances involves understanding income, expenses, and budgeting essentials. Allocate income wisely: 50% for necessities, 30% for savings, 20% for discretionary spending. Adopt saving strategies like automatic transfers and goal setting. Explore investment options like mutual funds and fixed deposits, keeping risks and returns in mind.

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Bites

Your Rupee Roadmap Understanding Personal Finance Management 65 views

Expense Expedition Charting Your Financial Course 36 views

Season

Advanced Financial Strategies

Advanced Financial Strategies comprises of investment diversification, tax planning, budget optimisation, debt management, and emergency fund planning for holistic financial wellness.

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E01: Mastering Financial Alchemy Advanced Budgeting Strategies

03 mins

In the realm of advanced budgeting strategies, several techniques can transform financial challenges into opportunities. Zero-based Budgeting ensures precise allocation of income, leaving no rupee unaccounted for. The Envelope System simplifies spending by allocating funds to specific expenses. The 50:30:20 Rule balances needs, wants, and savings.

E02: From Wallet to Palate Decoding Eating Expenses

03 mins

India's culinary scene offers diverse dining experiences, each with distinct costs and advantages. Eating out spans fast-food chains (Rs.200-Rs.300 per person), casual dining (Rs.800-Rs.1,500 for two), to fine dining (Rs.3,000-Rs.5,000+ for two). Ordering food adds delivery charges (Rs.20-Rs.50) and taxes, making a Rs.800 meal total around Rs.1,000-Rs.1,100. Cooking at home incurs grocery costs (Rs.2,000-Rs.5,000 weekly for a family of four) and utilities. Despite expenses, home cooking offers control, health benefits, and familial bonding. Understanding these costs aids in making informed dining decisions aligned with budget and preferences.

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Bites

Rainy Day Fund for Fixes and Trips 91 views

First Aid for Finances Creating Your Medical Emergency Fund 51 views

Savings Spending and Success Decoding the 30 30 30 10 Method 58 views

From Debt to Prosperity the 70 20 10 Rule 45 views

Crack the Code of Financial Balance The 40 30 20 10 Formula 59 views

Budgeting Like a Pro The 50 30 20 Rule Made Simple 43 views

Striking the Perfect Balance Unlocking Power of 30 40 30 Rule 91 views

Seasons

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Kick off your financial journey by outlining clear objectives. Craft a budget that aligns with your goals and cultivate healthy spending habits tailored to your lifestyle.

Prioritise high-interest debt, like credit cards, and consider consolidation or negotiation with lenders to ease the burden and pay off debt faster.

An emergency fund helps cover unexpected expenses, like medical bills or job loss, ensuring financial stability and peace of mind during crises.

Explore options like mutual funds, Public Provident Fund (PPF), or National Pension Scheme (NPS) for tax benefits and steady returns. Make sure you align your investments to your risk tolerance.

Maximise investments in tax-saving instruments, diversify your portfolio with equity, and consider real estate or SIPs for long-term wealth accumulation towards early retirement.

Bajaj Finserv Direct Limited ("Bajaj Markets") offers to its customers, various financial products and services through its digital platform as a registered Corporate Agent with IRDAI, registered Investment Adviser with SEBI, registered Third-Party App Provider (UPI payments), and as DSA or Digital lending platform of its Partners. Further, Bajaj Markets also offers a marketplace e-commerce platform to facilitate transactions between customers and sellers on-boarded on the platform. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522 Corporate Agency (Composite) Registration no.CA0551 (valid till 10-Apr-2027) Investment Adviser, SEBI registration: INA000016083 (Validity - Aug 11, 2021 - Perpetual)