SEBI Registered Investment Advisor | RIA No.-INA000017222

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Personal Finance Blog

Financial Literacy Matters

Latest Articles

How to Create Multiple Streams of Income

How to Create Multiple Streams of Income Through Smart Financial Planning in 2026

Discover how to create multiple streams of income in 2026 via smart financial planning, passive income ideas and expert fee-only advisor insights.
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  • 12 minutes read
How to Calculate Rental Yield

How to Calculate Rental Yield: Complete Guide for Property Investors

How to Calculate Rental Yield with simple formulas, real examples, and insights on gross vs net yield to evaluate rental returns and property investment decisions
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  • 14 minutes read
Budget 2026 Highlights

Budget 2026 Highlights On Personal Finance

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  • 2 minutes read
Understanding Insurance Policies

Understanding Insurance Policies: Definition and Different Types of Insurance

Understanding insurance policies helps you protect your family, health, home, and income. Explore types, and tips for smarter insurance planning.
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  • 15 minutes read

Choose A Topic To Dive Deeper:

Financial Planning
Insurance Planning
Mutual Funds
Investment Planning
Loan Management
Tax Planning

All Insightful Articles

Money Management Formula

Money Management Formula: Step-by-Step Guide for Budgeting

Budgeting is a critical exercise in the wealth creation journey. Get your finances sorted with a money management formula.
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  • 11 minutes read
How To Plan Personal Finance

Financial Plan: How To Plan Personal Finance Better in 2026?

A Financial Plan can help to achieve your financial goals with the right investment. Let’s learn how to plan personal finance better in 2026.
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  • 10 minutes read
Direct Vs Regular Mutual Fund

Understanding Direct vs Regular Mutual Fund – Which is Better?

Direct vs Regular Mutual Fund explained simply. Understand costs, NAV, returns, commissions, and how to choose the right plan for long-term investing.
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  • 10 minutes read
How to Save for a Child's College

How to Save for a Child’s College? 8 Ways to Save for Your Child Education

Learn how to save for a child’s college with smart financial planning, goal-based investing, and tax-efficient strategies for your child’s future.
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  • 11 minutes read
How to Improve your Credit Score

How to Improve Your Credit Score – 7 ways to Improve Your CIBIL Score

Learn how to improve your credit score with 7 proven strategies. Build financial discipline, boost your CIBIL score, and unlock better loan opportunities.
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  • 10 minutes read
Gratuity New Rules 2025

Gratuity New Rules 2025: Why Gratuity Rules Change is a Game-Changer for Employees

Confused about gratuity new rules changes in 2025? This simple guide explains the old vs new gratuity rules, eligibility updates, calculation method, and how these
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  • 6 minutes read
How to Save Tax on Rental Income in India

8 Ways: How to Save Tax on Rental Income in India – Maximize Tax Savings

Learn how to save tax on rental income in India with smart strategies, legal deductions, and expert tips to maximize your rental earnings and reduce
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  • 11 minutes read
How to Plan for a Wedding Budget

How to Plan for a Wedding Budget: A Complete Guide for Wedding Budget Breakdown

Learn How to Plan for a Wedding Budget with smart strategies, goal-based investing, and insights to enjoy your big day without financial stress of wedding
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  • 12 minutes read
How to Save Money on Groceries

How to Save Money on Groceries – 5 Ways to Save Money on Grocery Shopping

Learn how to save money on groceries with smart meal planning, budgeting, and mindful shopping habits- spend less without compromising quality.
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  • 11 minutes read

About Author

Salma Sony

"My focus is on my client, not on selling financial products."

Hello, I'm Salma!

I’m a SEBI Registered Investment Adviser (RIA No.:INA000017222) & Certified Financial PlannerCM (FPSB No.: 60832) with 15 years of experience in the financial industry, aiming to improve India’s financial literacy and enable people to learn about financial planning in the most simplified way.

I started creating content on my YouTube channel to build financial awareness and later began writing articles. So far, I have published 100+ articles on personal finance.

My intention in writing articles was to simplify complex money matters step by step so that readers, when needed, can take time to absorb the concepts and take charge of their financial journey confidently. My articles aim to simplify money matters and offer readers practical insights on budgeting, investments, debt management, and financial planning – all backed by my professional expertise and real-world experience.

  • My Mission: To impact individuals and families by helping them grow their net worth and live the lifestyle they desire by achieving all their financial goals using financial planning.
  • My Vision: To advise individuals and families to achieve financial wellness and peace of mind.
  • By Profession: I offer 360° structured fee-only financial planning and advisory services. I work jointly with individuals like you, helping simplify your personal finances with goal-based planning; this results in more savings, better investing, and a debt-free life for your secured financial future.

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-Tony Robbins
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