Money Habits Archives - Tapping Money

The 50-30-20 Budget Rule: Does It Work for Indian Salaries?

The 50-30-20 budgeting rule has become one of the most widely shared personal finance frameworks on the internet. Popularised by US Senator Elizabeth Warren in her book "All Your Worth,"…

Tapping Money July 5, 2026

Money Habits

How to Create Multiple Income Streams on an Indian Salary

Financial security built on a single income source is fragile. A job loss, a company shutdown, or a health issue can eliminate 100% of a single-income household's earnings overnight. The…

Tapping Money June 25, 2026

Money Habits

How to Plan and Save for Your Child’s Education in India

Education costs in India are rising at 10–12% per year. An engineering degree that cost ₹5 lakhs in 2010 costs ₹15–20 lakhs today. An MBA at a top private institution…

Tapping Money June 15, 2026

Money Habits

How to Get Out of Credit Card Debt in India: A Step-by-Step Plan

Credit card debt is one of the most expensive forms of debt in India. At interest rates of 36-48% per annum — charged monthly at 3-4% on the outstanding balance…

Tapping Money June 10, 2026

Money Habits

The 50-30-20 Budget Rule: Does It Actually Work for Indian Salaries?

Budgeting advice on the internet is overwhelmingly American. The 50-30-20 rule — spend 50% on needs, 30% on wants, 20% on savings — is one of the most widely cited…

Tapping Money June 3, 2026

Money Habits

How to Build an Emergency Fund in India (And Why Most People Get It Wrong)

Financial advisors across the world agree on almost nothing — except this: before you invest a single rupee, you need an emergency fund. It is the most fundamental piece of…

Tapping Money May 31, 2026

Money Habits

How to Track Expenses Effectively

Monthly income: ₹60,000 Expenses tracked: ₹0 Expenses actually spent: ₹58,000 Result: No idea where ₹58,000 went. Savings: ₹2,000. Monthly income: ₹60,000 Expenses tracked daily: ₹58,000 (₹28K rent, ₹12K food, ₹8K transport,…

Tapping Money May 5, 2026

Money Habits

Zero-Based Budgeting: Complete Tutorial for Indians (2026)

Raj earns ₹75,000/month. He pays rent, bills, buys groceries, orders food occasionally. By month-end, ₹500 left in his account. "Where did it all go?" he wonders. Next month, same story.…

Tapping Money April 20, 2026

Money Habits

The 5 Money Habits That Actually Change Your Financial Life in India

Every January, Indians make the same resolution: save more, spend less, invest wisely. By March, most of it is forgotten. Not because people are lazy or bad with money. But…

Tapping Money February 17, 2026