The ShePays Blog
Money, explained
without the lecture.
How credit limits are really decided. Whether checking your eligibility costs you anything. What a fraud call sounds like. What the tax slabs mean for your salary. Written plainly, by the people building the product.
What Credit Line on UPI
actually is
Everyone is talking about credit on UPI. Very few people explain what happens between scanning a QR code and the money leaving. Here is the whole sequence, in order.
The UPI features most people never turn on
Almost everyone uses UPI for one thing. There are four more sitting in the same app, and a couple of them solve problems people put up with daily.
You checked your eligibility. Did you just affect your credit score?
Almost certainly not, and the reason why is worth understanding, because the same fear stops a lot of people from checking anything at all.
How is a credit limit decided?
Two people earn the same salary. One is offered eighty thousand, the other twenty-five. Neither was told why. Here is what actually goes into that number.
A beginner’s guide to the credit card
What it actually is, how the bank makes money from it, and the handful of terms worth understanding before you sign anything.
Five things to know before you use a credit card
Not how to pick one. How to use one, so that the first year builds something rather than costing you.
Getting more out of the card you already have
Most people use perhaps a third of what their card offers, and pay for the rest without knowing it.
Credit card EMI or a personal loan? How to choose
Both let you spread out a cost. They differ in ways that matter quite a lot once you look at the numbers behind what you repay.
Buy Now Pay Later, used well
It is convenient, it is genuinely useful for some purchases, and it is credit. All three of those are true at once.
Your payment history is a record. It is just not written down anywhere.
A salary slip proves one thing about one month. Ten years of paying the same suppliers proves something else entirely, and almost nobody is reading it.
Fourteen ways to start saving, for people who never have
Saving is not a personality trait. It is a set of small arrangements, most of which you only have to set up once.
Financial habits that pay for the rest of your life
Not tips. Habits, which is a different thing: the ones that keep working when you stop paying attention to them.
Digital gold, jewellery and the questions worth asking first
Buying gold can mean three very different things, and knowing which one you are doing changes what you should expect.
Five ways to own gold, and what each one costs you
Jewellery, coins, digital gold, ETFs and sovereign bonds are all gold. They behave very differently once you need the money back.
Gold funds and gilt funds, and what hedging actually means
Hedging sounds like something only institutions worry about. The idea of it is far more useful than that.
Fixed deposit or recurring deposit? A plain comparison
Both are the same promise from the same bank. The difference is whether you have the money now or will have it monthly.
What to check before you take a home loan
The largest borrowing most people ever do, usually decided on the EMI figure alone. There are several other things that matter more.
Planning retirement, starting from wherever you are
The four questions that turn a vague worry into an actual number you can work towards.
How to withdraw your EPF online
The process is genuinely straightforward now, provided two things are in order before you start.
Advanced trading strategies, and why caution is the strategy
Short squeezes, swaps and derivatives are real instruments with real uses. They are also where inexperienced money goes to disappear.
The new tax regime, slab by slab, without the jargon
Most explanations of income tax start with a table and lose you on row 3. Start here: what each line actually means.
Investments that reduce your tax, and which regime they suit
Most tax-saving advice assumes you are on the old regime. That assumption is now the first thing to check.
Filing your income tax return, step by step
The portal does most of the work now. Knowing what it is asking for is the part that still takes a little preparation.
How to track your income tax refund
If more tax was deducted than you owed, the difference is yours. Here is how to find out where it is.
Paying TDS online, step by step
If you deduct tax when paying rent, a contractor or a professional, you have to deposit it. The process is online and takes a few minutes.
The fraud call always sounds reasonable. That is the whole technique.
Nobody falls for an obviously fake call. They fall for a calm, helpful one that arrives at a moment when the story makes sense.
Managing money, for women who already manage it
Most financial advice aimed at women starts from the assumption that they need teaching. The women worth talking to do not. What they are already doing is usually far more sophisticated.
Why we built ShePays
Not a manifesto. Just the observation the company started from, and what we decided to do about it.