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Money in Real Life

Smita

I write about real-life money behaviour, saving, spending, debt, and habits, to help you understand why money feels hard and how to make it simpler.

Platform
Substack
PricingOnly free issuesPublishesWeekly
Issues11Founded2 months agoLast Issue3 days ago
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Latest Issues

The Difference Between Looking Rich and Becoming Wealthy

Welcome to today’s read; let’s make this simple and useful.

A luxury watch can tell the time. A diversified portfolio can buy it.

These days, wealth has become increasingly visible.

Scroll through Instagram, X, or YouTube, and you will...

3 days ago
6
3

How Childhood Shapes Your Relationship With Money

Our salary belongs to today. Your money habits often belong to yesterday.

Welcome to today’s read; let’s make this simple and useful.

Money is rarely just about money.

A child has no idea what inflation is.

Ask a seven-year-old why mi...

10 days ago
6
2

Why You Keep Restarting Your Financial Discipline

Welcome to today’s read; let’s make this simple and useful.

Starting Is Easy. Sustaining Is the Real Challenge.

I don’t remember the exact amount, but I remember the feeling.

It was the end of the month, and I was scrolling through my...

17 days ago
8

The EMI Lifestyle and Why It Feels Comfortable

Welcome to today’s read; let’s make this simple and useful.

Comfort Today Often Becomes Pressure Tomorrow

A generation ago, buying something expensive usually meant waiting.

People saved for months before buying a television, a refrige...

24 days ago
8
2

Your Credit Card Didn’t Make You Richer; It Changed How You Think About Money.

Welcome to today’s read; let’s make this simple and useful.

Let me tell you something, most of us learn a little too late.

Your first credit card doesn’t change your bank balance.
It changes your brain.

And honestly, I didn’t realise t...

a month ago
5

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  • Smita

    I simplify markets, the economy, and everyday money behaviour so you can understand how money really works and make better financial decisions in real life.

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