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Personal Finance Blog

Financial Literacy Matters

Latest Articles

Double Taxation Avoidance Agreement

Double Taxation Avoidance Agreement (DTAA) Explained

Earning in two countries? India’s Double Taxation Avoidance Agreement (DTAA) means you don’t pay tax twice. Simple guide for NRIs in USA, UK etc.
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  • 27 minutes read
What is Gilt Mutual Fund

What is Gilt Mutual Fund and How Does it Work? Meaning, Risk and Returns

Learn what is gilt mutual fund, how gilt funds work, their risk and returns, and whether investing in gilt funds suits your long-term investment goals.
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  • 14 minutes read
Digital Gold vs Gold ETF vs EGR

Digital Gold vs Gold ETF vs EGR: Which Gold Investment Actually Works for You?

Find out which Gold Investment option is the right one for you: Digital Gold vs Gold ETF vs EGR. Difference between digital gold and gold
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  • 43 minutes read
New Income Tax Act 2025

New Income Tax Act 2025: What Really Changed for You from April 2026

No, your taxes didn’t go up. No, your 80C isn’t gone. Here’s what the New Income Tax Act 2025 actually changed – and what you
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  • 22 minutes read

Choose A Topic To Dive Deeper:

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

All Insightful Articles

How to Attain Financial Freedom

How To Attain Financial Freedom | 11 Steps To Achieve Financial Freedom

Learn how to attain financial freedom with 11 proven steps. Set financial goals, budget wisely, eliminate debt, and achieve financial freedom.
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  • 8 minutes read
Mutual Fund Performance Trailing Returns Vs Rolling Returns

Mutual Fund Performance: Rolling Returns Vs Trailing Returns

Learn how to check the performance of a mutual fund using rolling returns vs trailing returns
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  • 8 minutes read
Key Highlights Budget- 2025

Budget 2025 Income Tax Rate Changed – 7 Highlights Impacting Personal Finance

Budget 2025 Income Tax Rate Changed – Good News! No Income Tax payable up to Rs 12 Lakh under the new regime.
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  • 1 minutes read
Debt Management Strategies

Smart Debt Management Strategies to Regain Control of Your Finances

Discover 7 effective debt management strategies to prioritize in 2025. Learn how to budget, debt consolidation and achieve financial stability with expert.
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  • 7 minutes read
How To Choose A Car Insurance Policy

How To Choose A Car Insurance Policy in India?

Guide on how to choose a car insurance policy in India and six factors you must consider to select the best car insurance policy.
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  • 8 minutes read
Good Financial Plan

A Good Financial Plan Can Make Your Money Dreams Come True! Let’s Plan 2026

A good financial plan helps you understand your current financial situation, financial goals and then provides an investment plan to make your money dreams come
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  • 8 minutes read
New Nomination Rules for Mutual Funds and Stocks

New Nomination Rules for Mutual Funds and Stocks – 2024

Must know all about new nomination rules for Mutual Funds and Stocks – 2024
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  • 3 minutes read
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

Must Know: Ayushman Bharat Pradhan Mantri Jan Arogya Yojana For Senior Citizens Age 70 & Above

A comprehensive guide on Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, must know.
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  • 3 minutes read
PPF and SSY Scheme New Rules

PPF and SSY Scheme New Rules Effective From October 1, 2024

All you should know about PPF and SSY Scheme New Rules Effective From October 1, 2024
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  • 3 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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