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Budgeting

14 posts tagged "Budgeting".

  • 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.

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  • 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.

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  • 8 min read

    Court marriage vs full wedding: the real cost gap in Nepal

    A Nepali court marriage costs a few thousand rupees. A lean Kathmandu wedding starts around Rs 5 lakh. Both make you equally married. The math behind the choice.

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  • 7 min read

    Living on one income in Kathmandu: a single-earner family budget that actually holds

    One salary, a family of four, Kathmandu prices. A line-by-line single-income budget, why school fees decide it, and the bigger buffer a sole earner needs.

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  • 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+.

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  • 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.

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  • 8 min read

    A 30-day no-spend challenge adapted for a Nepali salary

    A 30-day no-spend challenge built for a Nepali salary: what counts as essential, which month to pick, and how much a Kathmandu earner can realistically recover.

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  • 8 min read

    The daily Rs 200 leak: what small Kathmandu habits cost you over a year

    Rs 200 a day in small Kathmandu habits is Rs 73,000 a year. What coffee, momo, rides, and data packs really cost, and what the leak becomes if you redirect it.

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  • 9 min read

    Pay yourself first: automating savings on a Nepali salary before you can spend it

    How to automate savings on a Nepali salary: salary-day standing instructions, recurring deposit auto-debit, ConnectIPS SIP e-mandates, and wallet auto-save.

    GuideNepalSavingBudgetingAutomationSalary
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  • 9 min read

    Budgeting on an irregular income: a system for freelancers and shopkeepers in Nepal

    A budgeting system for Nepali freelancers and shopkeepers with swinging income: budget to your floor, pay yourself a salary, and set aside tax on receipt.

    GuideNepalBudgetingFreelanceCashflowTax
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  • 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.

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  • 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.

    GuideHabitBudgetingReviewNepal
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  • 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.

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  • 7 min read

    How much should you save from your salary in Nepal? The 50/30/20 rule, adapted for रुपैयाँ

    What the 50/30/20 rule looks like at रू 25,000, रू 50,000, and रू 80,000+ a month in Nepal, and where to actually put what you save.

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