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Personal Finance Blog

Financial Literacy Matters

Latest Articles

Budget 2026 Highlights

Budget 2026 Highlights On Personal Finance

Finance Minister Nirmala Sitharaman, on 1 Feb 2026, while presenting the Interim Budget, kept the income tax slab rates unchanged for both new and old

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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
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

Choose A Topic To Dive Deeper:

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

All Insightful Articles

Budget 2024 Highlights

Budget 2024 Highlights: Changes In Income Tax Slab And Capital Gain Tax Rate

Budget 2024 Highlights, Changes In Income Tax Slab And capital gain tax rates.
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  • 2 minutes read
ITR for Salaried Person

ITR for Salaried Person: Which ITR Should I File for FY 2023-24 (AY 2024-25)? 

Choosing the correct ITR Form for salaried individuals can be confusing ITR-1. Learn which ITR for Salaried Person for FY 2023-24.
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  • 10 minutes read
ITR For Capital Gains

Steps To File ITR For Capital Gains (ITR-2 & ITR-3) FY 2023-24

Steps to file ITR 2 & 3 capital gain tax for mutual funds and stocks with screenshots (ITR for Capital Gains ITR-2 & ITR-3).
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  • 8 minutes read
ITR-1-vs-ITR-2

ITR 1 vs ITR 2 Form: Tax Return Filing Guide for Salaried Individual

Understand quickly how to choose the ITR form, ITR 1 vs ITR 2, which is the correct form for your income tax return filing.
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  • 8 minutes read
SaaRthi App by SEBI on Personal Finance for Investors Education

SaaRthi App by SEBI on Personal Finance for Investors Education

SaaRthi App by SEBI (Securities and Exchange Board of India) for Personal Finance allows investors to simplify complex financial concepts.
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  • 2 minutes read
Health Insurance New Rules

11 Health Insurance New Rules by IRDAI in 2024: Must Know!

Stay updated with 11 Health Insurance New Rules by IRDAI in 2024. Master circular on health insurance published.
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  • 4 minutes read
Online KYC For Mutual Fund

Update Online KYC For Mutual Fund Existing Investors

Learn how to hassle-free update Online KYC for mutual fund, just in 10 minutes.
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  • 8 minutes read
Transmission of Mutual Fund Units

Process For Transmission of Mutual Fund Units Upon Unitholder’s Death

Learn the process for transmission of mutual fund units so that you can claim as a nominee or legal heir in case of the death
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  • 7 minutes read
how to reduce loan burden

How to Reduce Loan Burden: 5 Step-by-Step Smart Ways to Reduce or Repay Home Loan / Personal Loan

Learn how to reduce loan burden smart way. Be it home loan,personal loan, high interest burden, faster repay can help you manage your debt better
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  • 7 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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