Financial knowledge and investment strategy

💳 How to Earn Money with Your Credit Card & Why It’s More Useful Than You Think When most people hear the word “credit card,” they immediately think of debt, late fees, or overspending. And yes, that can happen if you don’t use it wisely. But here’s the truth: if managed properly, a credit card is not just a payment tool — it can actually become a money-saving and money-making instrument. I realized this the hard way. A few years ago, I used to avoid credit cards thinking they were a trap. But when I finally got one and started using it for everyday expenses (and paying my bill on time), I saw the benefits pile up — cashback, free flight tickets, shopping discounts, and even vouchers I could redeem for essentials. Let me share in detail how you can actually earn money using your credit card and make it work for you instead of against you. 🌟 1. Cashback Rewards — Instant Savings Cashback is one of the simplest and most satisfying benefits of using a credit card. Some cards give yo...

When most Indian investors think of investments, the first names that come to mind are fixed deposits, gold, or stocks. But there’s another powerful option that combines safety with steady returns — bonds. Bonds are one of the most trusted financial instruments globally, and they are slowly gaining popularity among Indian retail investors. Whether you’re a conservative investor looking for stable income or someone seeking to diversify beyond equities, understanding bonds can transform your investment journey. --- What Are Bonds? In simple terms, a bond is a loan. When you buy a bond, you lend money to the issuer — it could be the Government of India, a state government, a PSU (public sector undertaking), or a private company. In return, the issuer promises: 1. To pay you regular interest (called coupon). 2. To return your principal (face value) at maturity. 👉 Think of bonds as an advanced version of a fixed deposit (FD), but with more options, tradability, and sometimes better returns...