Budgeting
18 posts tagged "Budgeting".
- 10 min read
Your Food budget is four budgets: splitting groceries, khaja, eating out and delivery in Nepal
NRB's new price index moved restaurants out of food, and afternoon khaja now outweighs lunch in it. Why one Food line hides four budgets, and how to split it.
- 16 min read
Borrowing Rs 1 lakh for Dashain 2083: what a festive loan, a credit card and a dhukuti each actually cost
Rs 1 lakh for three months costs about Rs 1,000 against an FD, Rs 2,500 on a personal loan, Rs 6,900 revolving on a card and near 20% a year in a dhukuti. Asoj 2083 rates.
- 17 min read
What Dashain actually costs a Kathmandu family of four in 2083: the Rs 40,000 version and the Rs 1.2 lakh version
Two Dashain budgets for a Kathmandu family of four, priced from Kalimati, NOC and DoTM rates. The lean one still exceeds the lowest civil-service festival expense.
- 10 min read
Rs 21 kharba in remittance came home this year. Here is the receiving family's playbook
Nepal received Rs 2,120 billion in remittance in 11 months while savings rates fell to 2.75%. What the family at home should do with the money, step by step.
- 8 min read
How much does Teej actually cost? What's provable, and what nobody has ever measured
Saree prices, bangle sales, and vegetable spikes around Teej in Nepal are documented. A total household budget figure isn't. Here's what the data actually shows.
- 11 min read
Snowball vs avalanche: the fastest way to clear multiple loans in Nepal
A Nepali household juggling a credit card at 24%, a gold loan, and a personal loan needs a payoff order, not just a budget. Here's the real math and the real rates.
- 9 min read
What it actually costs to live in Kathmandu per month (2083)
A real monthly cost-of-living breakdown for Kathmandu in 2083: rent, food, utilities, transport, school fees. One person ~Rs 35k, a family of four ~Rs 90k+.
- 8 min read
A Kathmandu grocery basket in 2083 vs 2080: what the same Rs 5,000 buys now
Cooking gas up 20%, fuel up a quarter, oil and meat sharply higher, sugar and vegetables flat. What the same Rs 5,000 grocery run buys in Kathmandu now vs 2080.
- 7 min read
What to do with your first salary in Nepal
Got your first salary in Nepal? The PAN and SSF setup, how much tax you actually pay, the emergency fund, and the first-paycheck mistakes worth skipping.
- 9 min read
The monthly money review: a 15-minute ritual that fixes most budgets
Most budgets fail for lack of a check-in, not a plan. A monthly review — five questions, fifteen minutes — that surfaces leaks before they compound.
- 8 min read
The Bikram Sambat budgeting year: why your real fiscal year starts in Shrawan, not January
Nepal's fiscal and tax year runs Shrawan to Asar — not January to December. Why your salary, taxes, and budget cycle should follow it.