Heath insurance on a freelancer’s lifestyle? You’ve got to be kidding me! But honestly, if we forego insurance, the joke’s really on us. So in this issue of Rags to Riches, Ragini takes us through the who, what, why and HOW of getting health insurance.

So take our hand and let’s cover that health coverage!

In July 2023 Ragini found herself once again making her way back into the city of dreams - with all of its opportunities and all of its costs. So many costs!

Despite having done this rigmarole of moving house every couple of years often enough, Ragini found she wasn’t ready for anything other than the most basic costs of renting and moving.

So what better way to deal with all the surprises that to write down a comprehensive breakdown of her move in ₹ for all of us? So here’s Ragini’s lowdown on what was planned and what she actually spent and what to expect when moving home!

In this month’s Rags to Riches, resident finance geek Ragini talks about how she gamified her way to building a savings mindset.

Click to play!

We did a celebratory jig to welcome tax season earlier this month, giving you a step-by-step to get going on your tax plan. But “Speak to your CA” was the holy grail of Ragini’s tax advice.

Which inevitably led to some of you asking, “How do I go about finding the right CA?”

This article-ette right here should hopefully help you with that.

The post-lockdown years have been characterized by a rather singular economic trend - The Great Resignation - where employees (most of them millennials) have voluntarily quit their day jobs. While late-stage capitalism is to blame, the immediate symptom that most of us exhibited was burn-out.

In this month’s Rag’s to Riches, Ragini chronicles her journey there and back again, as she stepped away from being gainfully employed to well, just being. And much like everything she does, this move too was carefully planned. So after a year of planning it and another half year that she spent serving her notice period (apparently that was not just a formality in her contract), Ragini was set to go out and sabbatical, because she knew exactly what that meant.

If only…

Based on Ragini’s very true experience, here is what a sabbatical really is. In five stages.

Credit cards can seem like a dream come true to some and a veritable minefield to others. This month Rags take you through the benefits and pitfalls of getting your very own credit card while breaking down the concepts of credit scores, interest rates and credit card debt. We also have a very useful checklist of things to do before you sign on the dotted line.

All this in a fun, easy-to-parse article full of memes to make your reaction to credit cards go from boo-hoo to boo-yeah!

It's a brand new year and that means that it’s time for Ragini to get really excited about lists, affirmations and a whole lotta woo-woo. This month’s Rags to Riches is dedicated to the Abundance Mindset and the way it can change the game when it comes to your financial goals. So come along with Ragini and take a look at how she uses the abundance mindset to get further and get better. And then…

Dream on

Dream on

Dream on

Dream until your dreams come true ❣️❣️❣️

In the final part of our Invest Like a Beginner series, Ragini takes you on a step-by-step DIY investing journey. We look at 3 key questions:

1. What should the break-up of your investments be?

2. How do I pick what I’m investing in when it comes to the stock market?

3. How do I even begin to invest?

With the answers, we also get into concepts like Demat accounts, index funds and the tax benefits of PPFs. And then Ragini gives us her take on Zerodha’s Coin App and how it can unleash the equity investor in you with a few taps.

We are back with the second part of our Invest Like A Beginner series, where things now get sexier and so much more fun! This time Ragini takes you through the story of the beginner and the stock market - a push-pull romance for the ages.

In the previous edition, we talked about investing in Fixed Deposits and how it was a great place to get started at. But as safe as FDs are, in most cases they yield lower returns on your money than investing it in the stock market. And one of the biggest reasons to invest your money is to generate wealth.

And so the easiest place to start going a little bit bigger is the stock market! This month Ragini breaks down some stock market concepts and gives you some tips for getting started from her own experience.