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Personal Finance Blog

Financial Literacy Matters

Latest Articles

The 6 Steps of the Personal Financial Planning Process

The financial planning process, explained step by step–what actually happens in each of the 6 stages, what you should receive, and what it costs in
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  • 30 minutes read
GST on Buying House

GST on Buying House: Rates and Real Cost of GST on Flat Purchase in India

Most Builders complicate flat purchases. Understanding GST on buying a house, TDS, and other charges makes home buying a lot easier.
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  • 21 minutes read
NPS Vs PPF

NPS vs PPF: Which Is the Better Investment Option for Your Retirement?

NPS vs PPF: the comparison that decides whether your retirement is something you look forward to – or something you worry about at 55.
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  • 36 minutes read
What is a Sinking Fund?

What is a Sinking Fund: A Simple Guide For Recurring Expenses

A simple, India-friendly guide to saving calmly for yearly bills without touching your emergency fund.
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  • 23 minutes read

Choose A Topic To Dive Deeper:

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

All Insightful Articles

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
Revised Capital Gains Tax On Property Sale

Capital Gains Tax On Property Sale, Relief for Property Owners

Revised Capital Gains Tax On Property Sale has given to property owner. Amendment you must know.
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  • 5 minutes read
tax on mutual fund gains

Budget 2024: Revised Tax on Mutual Fund Gains – FY 2024-25 / AY 2025-26

Learn how your portfolio will impact due to Revised Tax on Mutual Fund Gains for FY 2024-25 / AY 2025-26 (Budget 2024-25)
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  • 6 minutes read
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

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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