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Paisavy journal

Short answers first. Every guide has a worked ₹ example and sources. हिंदी में गाइड

Woman taking notes beside her laptop at a desk
My moneyCTC, gross and take-home: where part of your salary goes
6 min
Man writing in a notepad on his bed beside a laptop
My moneyYour first monthly budget in 15 minutes
5 min
Man on his scooter talking on his phone outside a house
My moneyBudgeting when your income changes every month
6 min
Woman dropping a coin into a clay money pot at home
My moneyStarting an emergency fund with a small amount
5 min
Four young adults talking together on a sofa at home
My moneySupporting family without sinking your own budget (and why being a guarantor is risky)
6 min
Man comparing phones in a mobile shop
Can I buy it?Can I afford this purchase? Three ways to check
6 min
Man reading a document carefully, pen in hand
Loans & EMIHow to read a Key Facts Statement (KFS) before you sign
6 min
Couple looking at a fridge in an electronics shop
Can I buy it?No-cost EMI: is it really free?
5 min
Woman at home thinking over a decision while checking her phone
Can I buy it?Buy now, save first, or choose cheaper? The real monthly cost of a bike or phone
6 min
Hands holding a phone and a card while shopping online
Loans & EMI"Pay Later" and BNPL: it's a loan, and it shows on your credit report
5 min
Woman checking her phone with a card in her hand
DebtsPaying the minimum due doesn't pay off your credit card
5 min
Woman going through her bills with a calculator and laptop
DebtsSeveral loans at once: which one to pay off first
6 min
Man on a phone call at home, taking notes beside a laptop
Hard to payYour next EMI doesn't fit your budget: what to do before the due date
7 minValid to 2026-12-31
Man at home thinking while checking his phone
Hard to payMissed an EMI? What happens next, and how to limit the damage
7 minValid to 2026-12-31
Man reviewing printed reports and taking notes beside a laptop
Credit reportSettled, closed and written off: what your credit report is saying
6 min
Woman working on a laptop with papers spread beside her
Credit reportHow to fix a mistake in your credit report, step by step
6 min
Couple going over papers together at a table at home
DebtsPaying off a loan early: charges, savings, and lower EMI vs shorter tenure
6 min
Village women sitting in a circle in a field, holding a meeting
MicrofinanceWhat is microfinance in India? A plain guide for families
6 min
Group of women in colourful saris talking together outdoors
MicrofinanceGroup loans (JLG and SHG): will I have to pay for someone else?
6 min
Hand holding a phone, checking an app
Fraud & UPIHow to check a lender or loan app before you borrow
6 min
Gold chain being weighed on a digital scale
Loans & EMIGold loans: how much you can get, and what happens to your jewellery
6 min
Small shop owner writing figures in a notebook at her desk
MicrofinanceWeekly or monthly? How to compare two microfinance offers
5 min
Man typing on a laptop at home, holding a document
Hard to payHow to complain about a bank, NBFC or loan app (and when to go to RBI)
6 min
Woman in a sari and glasses looking carefully at her phone
Fraud & UPIA suspicious UPI request: what to check before you tap
5 minValid to 2026-12-31
Young man lying in bed, looking at his phone late at night
Gambling & money"I'll win it back": why chasing losses hurts your budget
5 min
Two men having a calm, attentive talk at home
Gambling & moneyFinding it hard to stop betting? Getting help, and talking to family
6 min
Man on a park bench frowning at a message on his phone
Fraud & UPI"Like videos and earn" and "guaranteed returns": spotting task scams and fake trading apps
6 min
Young professional checking information on a phone at his desk
Credit reportCredit score basics: what it is, how to check it free, and how to build it
6 min
Woman showing something on a tablet to a friend at home
Hard to payA loan app is threatening you or messaging your contacts: what to do
7 minValid to 2026-12-31
Older woman in a sari holding up her phone by a window at home
Fraud & UPI"Digital arrest" is a scam: how it works and what to do
5 minValid to 2026-12-31
Young family with a baby and an older child outside their home
My moneyInsurance basics for families: protect income first, then health
6 min
Office worker reviewing information on a laptop at her desk
My moneyWithdrawing your PF: how much, when, and what it really costs
6 min
Student using a phone and laptop on a campus lawn
Fraud & UPINever rent out your bank account, UPI or SIM: the money-mule trap
5 min
Friends sharing cups of chai around a table
Fraud & UPIChit funds, BC and kitty committees: what's safe and what's illegal
6 min
Woman talking with a doctor across a hospital desk
My moneyHospital emergency without insurance: what to do in the first hours
6 min