Personal Finance
71 posts tagged "Personal Finance".
- 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.
- 14 min read
Online betting in Nepal: the law, the blocked sites, and what Rs 5,000 a week costs over 10 years
Placing a bet is a criminal offence in Nepal under Penal Code Section 125: up to a year in jail, Rs 10,000, and forfeiture of the stake. And Rs 5,000 a week is Rs 26 lakh over a decade.
- 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.
- 3 min read
Kharchapatra is now on Google Play — the Android app for Nepali personal finance
Kharchapatra's Android app is live on Google Play: statement imports, budgets, goals, encrypted offline storage and biometric lock, synced with the web dashboard.
- 19 min read
Someone offered you Rs 10,000 a month to use your bank account. That makes you a money mule
Lending your bank account for a monthly fee makes you a money mule. The exposure in Nepal: up to 15 years, a fine of twice the amount, and a frozen account.
- 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.
- 12 min read
Cooperative loans in Nepal: collateral rules and what happens if the sahakari collapses
A sahakari loan doesn't disappear if the cooperative collapses in Nepal — the debt survives, the depositor fund won't touch you, and CIB can still blacklist you.
- 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.
- 11 min read
Group health insurance from your employer vs buying your own policy in Nepal
Nepal's Labour Act obliges your employer to cover just Rs 1 lakh in medical costs, and it vanishes the day you resign. Here's what that gap actually costs.
- 10 min read
Joint bank account rules for married couples in Nepal
Nepali banks default a joint account to Either-or-Survivor, but the money still needs a death certificate to move, and nomination stops once an account is joint.
- 9 min read
The real cost of chasing a Loksewa job: coaching fees, attempts, and the opportunity-cost math
Coaching runs Rs 3,000–13,500 and forms Rs 300–1,200, but two years of full-time prep costs Rs 7–10 lakh once rent and foregone salary count. The honest math.
- 9 min read
The 4% rule, adapted for Nepal: how much you can safely withdraw from your corpus
The 4% rule was built on US data. Nepal's higher inflation, lower real returns, and tax drag push the safe withdrawal rate closer to 3.5% — the math behind it.
- 8 min read
The full TDS rate card for Nepal: every rate that skims your money (FY 2083/84)
Every TDS rate in Nepal for FY 2083/84 in one table: interest, dividend, rent, commission, contract, capital gains, and what counts as final vs adjustable tax.
- 11 min read
How much life insurance cover do you actually need in Nepal?
Size life cover in Nepal with the 10x, Human Life Value, and DIME methods, then subtract your SSF survivor pension and savings to land on a real number.
- 7 min read
What happens if you can't pay your loan EMI in Nepal?
Missing an EMI doesn't mean the bank seizes your house overnight. The real timeline from a missed installment to penal interest, CIB blacklist, and auction.
- 8 min read
Is your foreign salary or remittance taxable in Nepal?
Whether your foreign salary or the remittance your family sends is taxable in Nepal comes down to one word: residency. The full rules, and the 5% concession.
- 9 min read
Going abroad for work from Nepal: what it really costs, and the scams
A Gulf job should cost about Rs 18,000 out of pocket; workers routinely pay Rs 130,000–700,000. The real cost, the payback math, and how the overcharging works.
- 8 min read
Annual land and house tax in Nepal: malpot vs municipal property tax
Malpot land revenue and municipal property tax are two small annual bills, often confused with the one-time registration tax. What each is, and how to pay.
- 11 min read
Bank lockers in Nepal: rent, rules, and whether a safe deposit box is worth it
What a bank locker costs in Nepal: Rs 2,000–17,000 rent, the refundable deposit, who can rent one, and the catch — the bank isn't liable if it's robbed.
- 13 min read
Saving for your child's education in Nepal: the 18-year plan
How much to save monthly for a child's education in Nepal, which vehicle actually beats fee inflation, and why most 'child education' plans underperform a SIP.
- 11 min read
OTP and phishing fraud in Nepal: how bank-account scams actually happen
How OTP and phishing scams empty Nepali bank accounts, the hard truth that no rule forces a refund, and exactly what to do in the first hour after you're hit.
- 12 min read
Ropani, aana, bigha, kattha: converting Nepali land units (and what one aana actually costs)
Convert ropani, aana, paisa, bigha, kattha and dhur to square feet, the base-16 trap that trips up buyers, and what one aana costs in Kathmandu.
- 10 min read
Book closure dates on NEPSE: who gets the dividend, who gets nothing
Buy one trading day before book closure and the dividend is yours; buy on the date and you get nothing. The cutoff rule, the price math, and where to check.
- 10 min read
Couple vs individual filing: the one checkbox that changes your tax slab in Nepal
Couple status saves a single-earner household up to Rs 29,000 a year in FY 2082/83, and costs a dual-earner couple up to Rs 56,000. The math, and the deadline.