Our Finocracy

First Lessons in Saving: How to Make a 3-Year-Old Value a Piggy Bank

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First lessons in saving begin much earlier than most parents realize. The simple act of introducing a piggy bank to a three-year-old can lay the foundation for a lifetime of financial responsibility and smart money habits. These early experiences with saving create neural pathways that shape how children will approach money management throughout their lives. … Read more

Toddler Money Habits: Mine vs Ours – How 2-Year-Olds’ Behavior Shapes Financial Future

Toddler money habits begin forming much earlier than most parents realize. When your two-year-old grabs a toy and shouts “mine!” they’re not just being difficult—they’re displaying the first inklings of their future relationship with money. Understanding these early behavioral patterns can help parents shape their children’s financial future from the very beginning. The journey from … Read more

Spark Lifelong Wealth: When Do Toddlers Grasp the Idea of Money?

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When do toddlers grasp the idea of money? This exciting question drives parents to spark early financial literacy. Toddlers, aged 1 to 3, start noticing coins or bills during daily routines like shopping. Understanding when do toddlers grasp the idea of money empowers you to introduce fun, simple lessons that build lifelong wealth habits. This … Read more

UPI and Digital Payment for children: How Revolutionizing Pocket Money in Digital India?

UPI for children is transforming how young Indians learn about money management in today’s digital world. As India’s digital payment ecosystem continues to expand rapidly, parents are increasingly looking for safe and controlled ways to introduce their children to digital financial transactions. The introduction of UPI Circle and other child-friendly digital payment solutions has opened … Read more

Pocket Money Inflation 2025: How Rising Costs Are Shrinking Indian Children’s Allowances

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Pocket money inflation has become a significant concern for Indian parents in 2025 as the purchasing power of children’s allowances continues to decline. With India’s inflation rate hovering around 5.5% (RBI Projections 2025), the same amount of pocket money that was sufficient last year no longer covers the same expenses. This phenomenon is particularly impactful … Read more

Vatsalya vs MF SIP for Newborn: Which is Better for Your Child’s Future?

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Planning for your newborn’s financial future is one of the most important decisions you’ll make as a parent. With two popular options available – NPS Vatsalya and Mutual Fund SIPs – making the right choice can seem overwhelming. This comprehensive guide will help you understand both options in detail, compare their features, and decide which … Read more

How to plan Girl Child Corpus ? : Your Daughter’s Financial Future

Planning Your Daughter’s Financial Future Planning for your daughter’s future requires a strategic approach that combines safety with growth. A girl-child corpus planner integrates Sukanya Samriddhi Yojana with equity investments to create substantial funds for education and marriage while addressing inflation concerns. This comprehensive guide reveals the optimal strategy for building a robust financial foundation … Read more

Education Inflation Reality: Strategies to Beat Education Inflation

Education inflation in India has emerged as a silent financial crisis that most parents discover too late. What was once a manageable expense has transformed into a multi-decade financial commitment that requires strategic planning and disciplined investing. The reality of education inflation is far more severe than most families realize, with costs rising at 2X … Read more

Moving from Anganwadi to Preschool: Building Money Skills Early

Financial literacy remains one of India’s most critical yet overlooked educational components. With only 27% of Indian adults meeting basic financial literacy requirements and even lower rates among children, the need for early financial education has never been more urgent. The transition from Anganwadi centers to formal preschool presents a unique opportunity to introduce money … Read more