Money is an “adults only” topic in India and kids are not supposed to be worrying about it. But the times are changing. It is up to parents to teach their child financial education at an early age and then develop these skills as they go along. Here are 4 key things that parents must teach their children starting at an early age and move on progressively as they grow up.

Make them understand the power of basic budgeting

You can start this as early as the age of seven or eight years. When you send your children to the neighborhood grocer to buy things for the house…


Getting your first credit card is a huge milestone — and a big adjustment. You might already have a sense of how credit cards work and how to handle a credit card responsibly, but the devil is in the details. Understanding those ins and outs before diving in will save you money and help you build good credit more quickly. Here are few things you should know before applying for a credit card.

1. Annual Percentage Rates (APR)

This is the interest rate you’ll pay on balances you carry from month to month. Some cards charge different rates on different types of balances, including purchases…


A medical emergency doesn’t just harm the health — your financial future could also take a hit. And when you’re worried about money, it’s harder for you to get well or to take care of your ill family member. Here are some tips for you to make sure you have enough money during any medical emergency.

1. Buy a health insurance plan

Health-related exigencies and the treatment cost always take us by surprise. Therefore, it is always better to be safe and have health insurance in your investment portfolio.

Moreover, while a health insurance policy has now become a necessity, it can also help in saving…


A personal line of credit is a bank loan that closely resembles a credit card in the sense that you have a specific loan amount of money (comparable to a credit card limit) that you can use for any purpose, as needed.

The personal line of credit is unsecured, so to get one, you probably will need a credit score at or above 700 and have a good history of repaying debts in a timely fashion. You can spend the money for whatever you want, in whatever small or large sums you wish, as long as you don’t exceed the…


The advancement in technology & the digital revolution has changed our lives to great extent. Everything going online and available just a click away. The e-commerce sites booming up and shopping online has become increasingly popular. There are many reasons to be vigilant while making payments online. Online frauds are on a historic rise these days. Here are 5 tips to make sure you are doing digital transactions safely.

1. Ensure the online Merchant is compliant

How do you do this; Check the website address (URL) for HTTPs. Hypertext Transfer Protocol Secure is an extension of the Hypertext Transfer Protocol (HTTP) that is used to secure communication…


Money. It’s an important issue for most married couples. Although successfully managing finances in marriage is essential to your happiness together, talking about money may not come naturally. No worries, though. If you haven’t gotten around to discussing the role money plays in your life together, it’s not too late to start.

Here are 4 money-and-marriage tips that could help you get closer to your financial happily-ever-after.

Prepare a budget and track it closely

Write down your family budget and try to jointly penny-pinch to the extent possible. It builds a greater degree of ownership in the entire budgeting process. The key to the budgeting process is…


Personal loans are unsecured and thus it becomes important for the lender to check everything for a sure-shot full repayment. To make sure that the money is credited into your savings account, we have brought forth some valuable suggestions to help you make winning personal loan application.

1. Submit the right documents


Due to the turbulent global economy, uncertainties have become a part of our lives. And these are bound to hit you at some point in time. We are so busy in our lives that sometimes we just lose all control of our financials and when urgent expenditures come up, we struggle to cope with the situation. And if you don’t have the required savings to rely upon then what will you do? Take a loan. Right?

You are saved, out of the trouble. Well, not yet.

Repaying your loan EMIs is very important for your financial health as well as…


While sales are the muscles of a business, cash flow is its lifeblood. Cash flowing regularly into a company is necessary to pay salaries, buy materials, and literally keep the lights on and the doors open. Many businesses are forced to slow their growth simply because they lack the cash inflows necessary to support the cost outflows.

The occasional cash flow issue hits every business. But if you find that every month you’re coming up against the same problem, it’s time to rethink how you handle the cash flow. These tips should help you right the financial ship:

Start forecasting your inflows and outflows

The first…


If you want to win with money, you have to change your actions with money. The way you do that is to track your expenses. Maybe this is new terminology for you — but don’t be intimidated. We can give you the information you need to move forward in your money journey (with confidence!) while moving away from whatever’s been holding you back.

1. Create a Budget

SmartCoin

Personal loans for urgent cash needs in India.

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