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      "title": "Golden Rules For Financial Planning",
      "body": "13 Rules can help you kick-start your financial planning \nThese rules may come in handy for those who are young & just beginning with their financial planning. Youngsters who have just started their career may get some direction on where and how to make a beginning. For those who are in the middle of their career and don’t yet have a proper plan in place, these rules can also be helpful. But remember, these only provide a general direction and may not necessarily give you the exact results. \n\n \nFirst rule first \nThe very first rule of personal finance says: ‘Pay yourself first’. It simply means that out of your monthly income, a certain percentage has to be saved before it is spent. ‘Income minus savings equal to expenses’ should be the rule and not vice-versa.\n\nFor this to happen properly, identify your goals, estimate the inflation-adjusted requirement and then find out how much you need to save for them. Now make sure that each month funds move out from your salary towards your goals, and manage your household expenses with what is left. You, in a way, are first paying for yourself, i.e., your goals.\n\n \n\nHow much to save\nAs a rule, 10 per cent of the post-tax income of those starting their career at around age 25 can be the starting point. Over time, as the income increases, shoring it up to 15 per cent can give you a good head start and a buffer. As you grow older, and your income rises and financial liabilities add up, make sure you are saving enough towards your goals.\n\nIn middle age, saving at least 35 per cent of your post-tax income should be the benchmark, as expenses during this period typically increase.\n\n \n\nThe 50-20-30 Rule\nConfused about how much to save and spend each month? Here’s how to get started. It’s the 50-20-30 Rule, i.e., 50 per cent of your income should go towards living expenses, i.e., household expenses, including groceries; 20 per cent towards savings for your short, medium, long-term goals; and 30 percent towards spending, including outing, food and travel. The idea is to create outflow buckets for better control. Individuals may tweak the percentage according to their age, circumstances, etc.\n\n \n\nThe 20/4/10 Rule\nThis rule helps keep your finances under control when you’re buying a new car. Twenty stands for the down payment amount, as 20 per cent of the car price should be paid by you. It’s, however, better to make as much down payment as possible. Four stands for the number of years of financing. Although lenders have a tenure of up to 7 years, it’s better to stick to 4 years. Ten stands for the ideal percentage of your net-take home salary that should go toward  car loan EMI’s.\n\n \n\nEmergency fund\nAs the name suggests, an emergency can happen anytime and needs immediate action. There could be a setback to one’s earning capacity due to a temporary disability or being unemployed for a few months. A medical emergency may crop up at a time when the settlement claim is taking time, or the ailment itself may have a waiting period. In such cases, one may have to arrange for funds to tide over the situation. Whether it’s meeting the household expenses or honouring commitment towards EMIs, certain cash outflows are sacrosanct. An emergency fund is not aimed at meeting your planned goals, but it only acts as a safety net.\nAlthough there’s no fixed rule on how much emergency cash one would need, ideally 3-6 months’ household expenses should be one’s emergency fund. The amount should help you to combat financial emergencies.\n\n \n\nLife cover \nYou should ideally have a life cover which is at least 10 times of your annual income. The actual requirement may, however, depend on one’s age, goals to be achieved, financial dependents, accumulated wealth, etc.\n\nThe most cost-effective way of buying life insurance is through a pure term insurance plan. It is a low premium, high-cover protection plan where the premium goes entirely towards risk coverage, i.e., to cover the mortality risk. Therefore, on surviving the term, one doesn’t get anything back as there is no savings portion of the premium. But that should not deter someone from buying a term plan as risk cover through life insurance as it is one of the basic necessities in one’s overall financial plan.\n\n \n\nHow much to save for retirement\nMost financial planners suggest a retirement corpus target which is about 20 times of one’s annual income. Some feel that 30 times can be a better figure as it will take care of inflation. It gives you a reason to work backwards and estimate how much you need to save from today till you retire.\n\nStill, this rule may leave you disappointed as it takes income and not expenses into account. Also, it may work for those whose retirement is years away than those who are retiring soon.\n\n \n\nHouse Worth\nBy keeping three things into consideration, i.e., the take-home income, the down payment amount and the home loan interest rate, one can figure out the worth of the house that one can afford to buy. If one is buying a home with a down payment of 20 per cent and the rest on a home loan, and also keeping the income-to-EMI ratio in mind, the affordability arrives at about 4.5 to 5 times of one’s annual income. In other words, one is buying a house which costs about five times of his income. Therefore, when real estate prices go up, affordability becomes a concern, unless income also moves in tandem.\n\n \n\nHome Loan \nBefore lending, the lender finds out the borrower’s existing loan commitments. Banks don’t lend an amount on which the EMIs will be more than 45-50 per cent of the monthly take-home pay. And this includes any other existing EMIs on car or personal loans.\n“Monthly EMI on the home loan should be less than 30% of monthly income. Total EMI obligations (home plus others) should ideally be less than 50% of monthly income.”\nBut what if the existing loan is nearing completion? Loans where only 12 or less EMIs are pending are not factored towards loan eligibility, so you get higher eligibility. The income-to-EMI ratio should be close to 50 per cent and not higher else a lesser loan amount gets sanctioned and it might disturb your household cash flows.\nAlso, a high credit score may not necessarily be enough for securing a loan on the best terms and conditions. Always Ensure that your credit score is 750 plus so you can get the best terms.\n\n \n\nHow much to invest in equity\nIt’s often said that one must use the ‘100 minus age’ approach as far as investing in equities goes. So for a 30-year-old, 70 per cent of his investible surplus should be in equities, while the rest in debt. As one ages, the allocation towards equities falls as it is considered more volatile than debt. It could be a good way to begin but over time, allocation into equities will depend on the tenure of your goals. For long-term goals such as retirement, being aggressive in equities will help, till at least three years before retiring.\n\n \n\nNet worth\nThe authors of the book The Millionaire Next Door had framed this rule to arrive at the required net worth. The net worth, according to them, should equal your age multiplied by your pre-tax income, divided by 10. That number, minus any money that you inherit, should be your net worth for your age and income.\nSo if you’re 40 and make Rs 20 lakh a year, you should have a net worth equal to Rs 80 lakh, assuming you have no inheritance. If you want to secure your position as wealthy, your net worth should be double that number.\nRemember, your net worth is your assets minus your liabilities, and your assets include not only your cash, investments and home equity, but also tangible property such as jewellery and furniture. Your house remains a contentious issue as far as adding it to the net worth figure goes. So it’s better to exclude it while calculating your net worth, unless you are ready to move to a smaller house in future.\n\n \n\nDiversification\nWhen it comes to mutual fund schemes, investors are known to hold a many as 30 different ones. Over-diversification may not necessarily help in obtaining the right result for the portfolio. J.L. Evans and S.H. Archer have shown in their research that most diversification benefits are obtained with about 10 funds. Adding more funds still provides benefits, but the gains seem marginal compared to the drawbacks of managing the enlarged portfolio.\n\n \n\nRule of 72\nTo calculate the number of years in which your investment will double — it is known as the rule of 72 — simply divide 72 by the rate of return that you can generate.\nSo at 12 per cent return, you can double your money in six years. No. of years = 72/12 = 6.\nTo know the time required to triple the principal amount, the rule of 114 is used.\nThe amount of time needed to triple your money would be = 114/12 = 9.5 years.\n\nRule of 72: Number of years to double = 72/expected return.\nRule of 114: Number of years to triple = 114/expected return.\nRule of 144: Number of years to quadruple = 144/expected return\n\n \n\nConclusion:\nYour finances need to be personalized according to your profile, situations, savings etc. Once you have made a start using these rule, it is important to review things every 3 year and make any changes accordingly. Get Your Personal Finance Report here https://goo.gl/7WWfTj.",
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      "title": "PERSONAL LOAN PITFALLS YOU CAN AVOID",
      "body": "The need of Personal Loans come when financial crisis darkens your blissful life. Personal loans are the best options for your financial emergencies. Quick loan processing, by digital lending platform like Cashiya, makes it a breeze to get a funds really fast. This is also the reason that personal loan is one of the most popular financial products in lending. Our endeavor is to serve all credit starved, and salaried individuals – who fail to get the loan approved from other lenders with loan approval. The disapproval could be either due to blunders user have committed in the previous credit or previous bill/EMI payments.\n\nWhen you apply for a personal loan, at Cashiya, keep in mind the pointers that are listed below. So that you don’t end up in a personal loan pitfall.\n\nBefore moving to the cautious part, let us first understand what a personal loan is, why it is the best option for quick funds, loan eligibility , and how to get a quick approval. Let’s get started!\n\n \nWhat is a Personal Loan?\n              ![personal-loans-cashiya.in.jpeg](https://steemitimages.com/DQmWowVja1Jaa96XHit4TxRtWprQTs1tiE8Xde65HMAj7QH/personal-loans-cashiya.in.jpeg)\nPersonal loans are awesome. In times of financial crisis, these get things fixed. Being an unsecured credit, there is no collateral involved. So, forget about the travails of lengthy paperwork towards asset declaration, references, photocopies, etc. Now with no collateral, Cashiya needs something else to mitigate the risk of default. That is why, we look at your transactions history to see how prompt you have been.\nWhy Personal Loan?\n\nYou can avail a personal loan for a number of purposes such as buying electronic gadgets, online shopping, international holiday travel, job relocation, medical expenses, home improvement, house repairs, and more. You get tax benefits for house repairs; so, a personal loan helps you save as well. Again, no collateral means you can apply for a personal loan even if you do not own any asset like home or vehicle. All you need for the loan is a stable income and a good cibil score. No need for a loan guarantor, as well.\n\nPersonal loan requires very less paperwork, if you apply at Cashiya. No paperwork also means there is no need to worry about physical storage of documents.\n\n \nPersonal Loan eligibility\n\nRemember that a personal loan is not for everyone. You need to have a stable and steady flow of income. The minimum eligibility requirement for a personal loan at cashiya.in, is that you need to be an Indian citizen and should have attained a age of  21 years. You MUST be salaried, and earning a minimum of Rs.20,000 per month.\n\nBanks do not entertain professionals who have never availed a loan prior to a fresh credit request. This is unfair on many professionals who are currently in need of a personal loan; despite having adequate income and repayment capability.\n\n \nPersonal Loan pitfalls to be aware of\n\nNow that you know what a personal loan is, and how beneficial it is to a salaried professional like you; let us look at some personal pitfalls which you may encounter when you are ready to avail a personal loan.\n\nLoan EMI Promptness\n\nApplying for a personal loan does not mean you have reached the moon. Your real test will start once you start clearing your debt. Build self-discipline to pay-off the loan EMIs on time. Set up auto debits or auto payments to never miss any EMI due-date.\n\nBlind eye towards your credit score\n\nApply for a copy of your credit bureau report from time-to-time, and check for any errors. Check for frauds and identity thefts. Report them to the credit bureau, or the errors will continue to affect your score. Sometimes credit institutions are slow to update your credit profile, which can affect your chances of getting the loan approved; even if you have the income.\n\nIgnoring your repayment capacity\n\nAsk yourself probing questions with regards to personal loan. Do you really need it? Are you capable to pay-off the loan? If the answers, to these questions, are in affirmation; then only head to Cashiya’s GetStarted page, and apply for an easy personal loan.\n\nBeing Credit hungry\n\nDo not try your luck by applying for a loan at multiple credit institutions. You may feel you will get your credit approved somewhere but actually your credit score can take a beating if multiple inquiries are made by institutions to the credit bureau.\n\nHiding existing debts\n\nIt is not a good practice to be secretive about your debts. Some individuals provide scanned copies of their bank statements to hide past credit defaults. Remember, your credit history will be checked by Cashiya; so, there is no point in trying to hide certain information about your defaults. Send us your latest 6 months bank statement – only in PDF format.\n\n \nWhy go with Cashiya?\n                   ![Cashiya.png](https://steemitimages.com/DQmeKMCJh98dqtyonubWsjL7JPw35ryfMtMH1eqWqTAbwYo/Cashiya.png)\nCongrats! Your pitfall dodging worked. You now know what you need to be aware of once your loan is approved. But where to get a personal loan from? Should you go to a bank, where you will be greeted with lengthy paperwork, offline process and unending delays? Or go the opposite way?\n\nCashiya is here to make your personal loan application process smooth and hassle free.\n\nYou should go with Cashiya because\n\nHassle free Process – It is hassle free because of no paperwork or running from one branch to another. Apply for the loan from the comfort of your home; with Cashiya app .\n\nEasy EMIs – You can find out about the EMI amount you will be required to pay each month, by making use of our EMI Calculator. Cashiya reminds you about EMI’s before the due-date.\n\nOnline security – Cashiya is SSL secure platform which keeps all your personal and financial information protected. All your information & documents are safe & secure.\n\n \n\nFor more info on Personal Loans click here: Cashiya – Finance & Insurance\n\nDownload App : Cashiya Personal Finance \n\nFollow us:\n\nFacebook : Cashiyapp \n\nTwitter : Cashiyaapp     \n\nGoogle+: CashiyaPersonalFinance",
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      "title": "Common Mistakes one Should Avoid before applying Personal Loan in India",
      "body": "A Personal Loan is an easy answer to your sudden financial #emergency. And with hassle-free online Platform like Cashiya making a Personal Loan has never been this easy. However, you need to be cautious when applying for a Personal Loan, as a single mistake can lead to big financial trouble for your future credit history. incomplete awareness and carelessness, while applying for a Personal Loan, may lead you to a debt trap and create a financial crisis that may impact the future of your family finance.\n\nHere’s a list of pitfalls you should avoid so that you are able to manage your debt comfortably:\n\n Right repayment capacity: Ensure you have the ability to pay it back. Do not borrow beyond your affordability.  Use online EMI calculators to decide the loan amount, in accordance with your repayment capacity, before you apply for the loan. Emi calculator is available in Cashiya Personal finance app.\n                                                        ![calculator.png](https://steemitimages.com/DQmYX8NLf3zXARQizouoUm2DKDh2fXg6Nt72Bu4HYZGQt2S/calculator.png)\n\n Applying to too many platform and banks :  Every time you seek a loan from a lender or online platform, a query is raised and it appears on your credit report along with the date. With each query, your credit score reduces. In Cashiya our algorithm based approach give optimized result every time so that your score is not dipped multiple times.\n\n No Full disclosure of existing loan: Existing loans and other financial obligations must be disclosed to the lender, because the loan amount will depend upon your commitment to other existing liabilities.\n\n Longer tenure with lower EMIs:  Borrowers often tend to opt for a longer tenure for repayment of loans due to lower EMIs. But, remember the longer the loan repayment tenure, the higher amount you pay. It is advisable that you choose the shortest loan tenure possible, depending on your monthly repayment capacity.\n\n Prepayment Charges :Some lenders charge prepayment penalty for loan pre-closure. In such situation you will be forced to drag the loan repayment. So never forget to ask your lender if any pre-payment penalty is charged. Pre-payment penalties may vary from lender to lender. Certain lenders may charge these penalties at a flat rate or as an interest of a certain number of months.\n\n Check you eligibility here for personal loans before applying : https://goo.gl/kX1YSv\n\nFor more tips and suggestions on Personal Loans visit: https://cashiya.in/category/blog/\n\nDownload App : https://goo.gl/kX1YSv\n\nFollow us:\n\nFacebook : Cashiyapp \n\nTwitter : Cashiyaapp     \n\nGoogle+: CashiyaPersonalFinance",
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      "title": "Awesome Personal Loan Offers in India- Cashiya",
      "body": "Looking for personal loans or home loans in India?\n                                                       ![Cashiya.png](https://steemitimages.com/DQmeKMCJh98dqtyonubWsjL7JPw35ryfMtMH1eqWqTAbwYo/Cashiya.png)\nDon't take tension or run from bank to bank for approvals. Just Download Cashiya Personal finance app from google play store and apply for loan online within minutes. And get loan approval online in real-time. choose the best offer available for you from the list of banks or NBFC's and apply online. Get disbursal amount in 2-3 days in your account directly.\n\nCashiya is digital lending platform which helps users in getting any type of loans in just few minutes of application. It helps in personal financial planning as well.\n\nCashiya enables the user to compare & apply for any type of loan or insurance. User can choose from categories mentioned below and apply online. Users can also pay their premiums online. \nLoan:\n- Personal Loan\n- Home / Housing Loan\n- Auto / Car Loan\n- Students/ Education Loan\n- Business Loan\n- Loan against Gold\n- Loan against Property\n- Loan against Fixed Deposits\n- Loan against Policies\n![Cashiya-personal-loan-rs-1lac-to-20lac.png](https://steemitimages.com/DQmYje1Urz5XrzVYqRdN2Sun1FdiAzfMSgzHaeggxm1ZF3t/Cashiya-personal-loan-rs-1lac-to-20lac.png)",
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      "author": "cashiya",
      "permlink": "best-personal-finance-app-in-india-cashiya",
      "title": "Best Personal Finance App in India -Cashiya",
      "body": "Cashiya is a simple, powerful, fast and easy application for Income, Spend & Personal finance Management with a precise user interface. \n      ![Cashiya.png](https://steemitimages.com/DQmeKMCJh98dqtyonubWsjL7JPw35ryfMtMH1eqWqTAbwYo/Cashiya.png)\nCashiya is designed in such a way, which not only makes budgeting easier and convenient, but a lot more interactive & exciting for users in India.\n\nCashiya is capable in providing users with all his account summary & transaction history with just one click and no other action required.\n\nManages all your income & expenses, just by analyzing your transactions messages.\nUser can easily Search a specific transaction detail with one click.\n\nAutomatically categorizes transactions into categories with icons to identify easily.\nSpecify category wise budget on weekly, monthly and yearly basis. \nUser can also add new transactions in case of cash transactions. \nCashiya always keep all your accounts in sync.\nUser can have a birds eye view of all bank accounts/ debit cards/ credit cards on one screen. \nsimple application just open and use, No need of help or any setting.\nCan manage any number of accounts. \nUser can also download or email the account wise summary and transaction details in PDF format for any month(s).\n![main.png](https://steemitimages.com/DQmWyztroQTfRgMn5UzPmyPTaxw7ssCEpVbrduP7cDqvgM7/main.png)\nLoans & Insurance-\n\nThis app enables the user to compare & apply for any type of loan or insurance. User can choose from categories mentioned below and apply online. Users can also pay their premiums online. \nLoan:\n- Personal Loan\n- Home / Housing Loan\n![insurance.png](https://steemitimages.com/DQmfXFtXUhs6AzdKnmW3g8xm6rxsMUyA1zDJvDcfK7kKPxx/insurance.png)\nInsurance:\n- Car Insurance\n- Health Insurance\n- Term Life Insurance\n- Travel Insurance\n- ULIP Insurance\n- Two Wheeler Insurance\n- Mediclaim Insurance\n- Personal Accident Insurance\n\t\t\t\nOther Features:\n\nCashiya application comes with inbuilt finance calculators. \n![calculators.png](https://steemitimages.com/DQmeETetXikEpiPSHqk1E827VmPdtfJ5sRECqcEmNX4sbLm/calculators.png)\nList of calculators :\n\tLoan Eligibility Calculator\n\tEMI Calculator\n\tSavings calculator\n        Retirement calculator\n        insurance calculator\n\nFor More details: https://cashiya.in",
      "json_metadata": "{\"tags\":[\"finance\",\"loans\",\"insurance\"],\"image\":[\"https://steemitimages.com/DQmeKMCJh98dqtyonubWsjL7JPw35ryfMtMH1eqWqTAbwYo/Cashiya.png\",\"https://steemitimages.com/DQmWyztroQTfRgMn5UzPmyPTaxw7ssCEpVbrduP7cDqvgM7/main.png\",\"https://steemitimages.com/DQmfXFtXUhs6AzdKnmW3g8xm6rxsMUyA1zDJvDcfK7kKPxx/insurance.png\",\"https://steemitimages.com/DQmeETetXikEpiPSHqk1E827VmPdtfJ5sRECqcEmNX4sbLm/calculators.png\"],\"links\":[\"https://cashiya.in\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}"
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