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      Riding market trends with Momentum Investing

      Riding market trends with Momentum Investing

      What is Momentum Investing – A Simple Explanation

      What is Momentum Investing – A Simple Explanation

      The Basics of Passive Investing — Understanding Index Funds

      The Basics of Passive Investing — Understanding Index Funds

      How to Invest in Index Funds

      How to Invest in Index Funds

      Large-cap Stocks, Small-cap Stocks, Mid-cap Stocks — What is the difference?

      Large-cap Stocks, Small-cap Stocks, Mid-cap Stocks — What is the difference?

      Nifty 50 Index Vs Nifty 500 Index – A Beginner’s Guide

      Nifty 50 Index Vs Nifty 500 Index – A Beginner’s Guide

      Mutual Fund AUM: Unveiling the Backbone of Investment

      Mutual Fund AUM: Unveiling the Backbone of Investment

      Mutual Fund Taxation – Are Mutual Funds Taxable?

      Mutual Fund Taxation – Are Mutual Funds Taxable?

      Secure Your Retirement Years with Mutual Funds

      Secure Your Retirement Years with Mutual Funds

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        Understanding the different Mutual Fund categorizations by Market Cap

        Understanding the different Mutual Fund categorizations by Market Cap

        Investing in Lumpsum or SIP

        Investing in Lumpsum or SIP

        Performance be a by-product

        Performance be a by-product

        What is Real Investing and why it requires grit and stubbornness?

        What is Real Investing and why it requires grit and stubbornness?

        5 Reason to Boost your SIP

        5 Reason to Boost your SIP

        Understanding the types of Mutual Funds

        Understanding the types of Mutual Funds

        Why SWP is wise decision than investing in Fixed Deposits?

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        Ep. 11: The Investor’s Playbook

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        Ep. 09: Evolution of Indian Pharmaceutical Sector

        Ep. 09: Evolution of Indian Pharmaceutical Sector

        Ep. 08: Value Migration

        Ep. 08: Value Migration

        Ep. 07: Wealth Creation Studies

        Ep. 07: Wealth Creation Studies

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        Ep. 06: Evolution of Indian Infrastructure & Capital Goods Sector

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        Ep. 05: Evolution of Indian Automobile Sector

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      Home 5 Keys of Investing

      5 Key factors that have a bad impact on your financial stability
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      September 21, 2021
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      5 Key factors that have a bad impact on your financial stability
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      All of us love luxury and things coming to us easily, and who would ever like to step out of their comfort zone. As comfort creatures we are, we want all things new and fancy and hardly ever take a moment to think whether or not we really require it. Not just that, we incessantly cater to our bad lifestyle, and evidently mess our finance cycle and still do nothing about it. That could be because, either we just don’t care or we’re too ignorant. Read more to know more on the 5 factors that cause financial instability;

      Out of sight, out of mind

      Very often, we tend to forget things that are too little or less visible, however, these little things pile on and eventually come to us as a rude shock. Failing to track small expenses is a bad influence on our finances. These small expenses comprise of commodities or services that are unwanted, passive and lying idle for quite some time. For instance, the Value Added Services on our mobile number like Caller Tune services or the Gym membership that was long forgotten is billed every month, drilling a hole in our pockets. To combat this, thoroughly analyze all the bills and rule out the unnecessary services or products. It’s very important to fix the leakage, because a small leak can sink the ship.

      Budget for the best

      Being financially unstable can be ascribed to our failure of maintaining a budget. One should know the cash flow, in terms of the money earmarked as savings, investments, daily requirements etc. By doing this, one can very conveniently keep a track of the expenditure, avoid loopholes, prevent financial decline and also, easily focus on investments. Set up a monthly limit and jot down every penny you spend; you could alternatively take notes on your phone or maintain an Excel sheet. So, when you save enough you can further concentrate on doubling the money by investing it wisely. Financial solidity relies on efficient allocation of funds, not a Herculean task.

      Plastic, far-far away

      Reckless spending is usually unplanned, and often, we use plastic more than paper to cover the costs. This is clear; your credit card may appear to be our loyal companion when you run out of cash, but that’s an indirect trick to make you lose more money. Credit/Debit cards are very handy while traveling or urgent requirement, however it can be equally hazardous to your financial wellbeing. One doesn’t realize this until the arrival of the credit card payment bill at your doorstep. This is because with every card purchase, you have a certain amount of interest building up. Also, a late EMI payment results in an increased rate of interest. And to top it all, you don’t read your card statements either. Literally, in the red, isn’t it?

      When in debt, don’t fret

      Debt bring down

      It’s good to clear your debts in time; it shouldn’t be taken as an encouragement to take more loans. Usually, unstable financial conditions are due to excessive debt clusters that one gets into unknowingly. It has a close connect with binge spending. Being mired in debts is also due to unorganized debt planning. One has to break the vicious cycle by creating a structure to clear debts within a stipulated period of time and by paying off amounts that don’t pinch the wallet.

      Binge spending that impinge

      Print

      There can never be a solid justification for buying new and expensive things every time. It’s alright if you give in to your whims once in a while, but its impulse spending that impinges on your financial stability. Not only does it mess your budget but also strays you away from achieving your financial goals. If you’re the kind of person who ends up buying anything or everything that made you gasp while window shopping, then it’s about time you hold it.

      Tags: Basics of Investing

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