Partnerships
Anushka Krishna Kumar
Partnerships, NYVO · MSc Economics
Leads partnerships at NYVO and holds a Master's in Economics. Writes on personal finance, budgeting and everyday money decisions for Indian families.
Articles by Anushka Krishna Kumar
Smart Ways to Save Money on Groceries (India)
A practical, India-specific guide on how to save money on groceries – the list, the once-a-month staples run, and the unit-price habit that beat every in-store trick.
Pay Yourself First: The Budgeting Rule That Sticks
The pay yourself first method turns saving from a monthly leftover into the first bill you pay – here's how it works and how to set it up in India.
Needs vs Wants: The Line That Decides Your Budget
The difference between needs and wants isn't fixed. Most budget failures come from wants that quietly reclassified themselves as needs – and one test that tells them apart.
Lifestyle Inflation: Why a Raise Never Feels Like Enough
Lifestyle inflation is why higher earners still feel broke – every raise gets absorbed. Here's how the creep works and how to bank your raise instead.
How to Actually Save Money From Your Salary
How to save money from your salary without willpower – reverse the order, automate the transfer on payday, and live on what remains. What you don't see, you don't spend.
What Is a Step-Up SIP?
A step-up SIP raises your monthly investment by a set percentage every year. Here's how it works, and how much more it can build than a flat SIP.
What is an NFO (New Fund Offer)? What the ₹10 Price Means
A plain-English guide to New Fund Offers – what an NFO is, why the ₹10 unit price isn't a discount, and what to actually check before you subscribe.
What Is Exit Load in Mutual Funds?
A plain-English guide to exit load in mutual funds – what it is, why funds charge it, how much it usually costs, and how to check the load period before you sell.
What is ELSS? Tax-Saving Mutual Funds Explained
ELSS is the only equity mutual fund that saves tax under Section 80C. Here's how the deduction works, why the 3-year lock-in is the shortest of any 80C option, and who it suits.
What is a Demat Account, and Do You Need One for Mutual Funds?
A demat account holds shares and ETFs electronically. Here's what it is, how it works, and why you don't actually need one to invest in regular mutual funds.
No-Cost EMI: Where's the Catch?
A no-cost EMI promises zero interest, but the cost rarely disappears – it just moves. Here is where the interest, GST and fees on a no-cost EMI actually hide.
The Minimum-Amount-Due Trap on Credit Cards
A plain-English guide to the minimum amount due on credit cards – what it is, why paying only the minimum is a trap, and how to break the cycle.
How to Get Out of Credit-Card Debt in India
Credit-card debt in India compounds at 36–45% a year. A practical, India-specific plan to stop the minimum-due cycle and clear credit-card debt for good.
How to Close a Credit Card Without Hurting Your Score
How to close a credit card in India without hurting your CIBIL score – what closing does to your history and utilisation, and the safe way to do it.
How Many Credit Cards Should You Have?
How many credit cards should you have? A clear, India-specific answer – why there's no magic number, and how cards affect your credit score and utilisation.
CIBIL: Full Form and What the Score Actually Means
CIBIL's full form is Credit Information Bureau (India) Limited – it's a company, not your score. Here's what CIBIL actually stands for, and why India has four credit bureaus, not one.
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