The Wealth Journal

How to Plan Your Monthly Finances in Under 30 Minutes (Free Template Included!) 💸 Tired of running out of money halfway through the month? You’re not alone. But what if I told you that you can get your finances in order in just 30 minutes a month ? Whether you're a student, a young professional, or someone trying to take control of your money — this guide is for you. And yes, we’ve included a FREE monthly budget planner template to help you get started instantly. 🧠 Why Monthly Planning Matters Planning your finances every month helps you: Avoid overspending Save money consistently Stay stress-free about bills Reach your money goals faster Think of your budget as Google Maps for your money . Without it, you're just guessing where you're going. ⏱️ The 30-Minute Monthly Budget Breakdown You don’t need complex spreadsheets or expensive software. Just follow this step-by-step plan : ✅ Step 1: Calculate Your Total Monthly Income (5 mins) List all sources of incom...

 📋 Free Daily Expense Log Sheet for Teen

  🎯 Free Teen Monthly Budget Planner (Printable)

💳 Credit Card vs BNPL: Which One Is Safer for First-Time Users? In the digital age of online shopping and quick checkouts, two payment options stand out for first-time buyers — Credit Cards and BNPL (Buy Now, Pay Later). But which one is safer? Let’s break it down and find out which suits new users better. 🧾 What is a Credit Card? A credit card is a physical or virtual card issued by a bank that lets you borrow money up to a credit limit. You’re expected to pay it back monthly — either in full or in parts — with interest on unpaid balances. Pros: Helps build your credit score. Offers rewards, cashback, or travel points. Comes with fraud protection and EMI options. Cons: High interest rates (up to 40% per annum). Easy to fall into debt if you overspend. Requires credit history or income proof to get approved. 🛒 What is Buy Now, Pay Later (BNPL)? BNPL lets you split your purchase into smaller, interest-free installments. Popular platforms include Simpl...

💸 How to Save ₹2,000/Month on a Student Budget (Even If You're Broke) Being a student in 2025 isn’t cheap — between food, mobile recharges, subscriptions, and outings, it feels like money disappears faster than it arrives. But what if I told you that saving ₹2,000/month is not only possible… it’s totally doable — even on a tight budget? Let’s break it down step-by-step. By the end of this post, you’ll have a clear plan that actually works for students and teens in India. 🎯 Why Save ₹2,000 a Month? ₹2,000 might not sound like much, but over 12 months, that’s ₹24,000. That’s: A future investment fund An emergency buffer Or capital for your first side hustle Small savings = Big impact. 📉 Step 1: Know Where Your Money Is Going Before saving anything, track where you’re spending. Use: Google Sheets (Free Tracker: [Insert link]) Apps like Spendee, Walnut, or Money Manager A notebook if you prefer it offline List your expenses: recharge, food, online ...

🧰 Top 3 Free Tools to Track Your Spending as a Teenager Tracking your expenses is the first step to becoming smart with money — even as a teenager. These 3 free tools make it super easy to see where your money goes and help you build strong financial habits early. 1. Google Sheets (Free Budget Template) A simple and flexible tool you can customize to track your daily, weekly, or monthly spending. Why it’s great: 100% free Works on phone or laptop Can be customized easily Charts and formulas show how much you save/spend 👉 Tip: Search for “Free Google Sheets Budget Template” or create your own in minutes. 2. Walnut (India Only): Now Known As Axio Walnut is a personal finance app that automatically tracks your expenses by reading your SMS transaction alerts. Why it’s great: Tracks spending without manual entry Automatically categorizes expenses Works with UPI, debit cards, wallets, etc. Sends monthly spending reports 👉 Tip: Use Walnut if you spend mostly thro...