Dhiraa SkillDev Foundation

Blog

Practical money-management insights for every stage of life.

15 June 2026

Salary Negotiation for Women in India: What Actually Works

There is a persistent myth that women earn less because they don't ask. The reality is more layered — even when women negotiate, outcomes are often weaker, and assertiveness can trigger perception bia…

3 June 2026

Is Your Insurance Working Against You? |

Let me ask you something that most agents will never ask before they sell you a policy. Is insurance protection — or is it an investment? Think about it this way. Headlights on your car. Are they prot…

27 May 2026

Insurance as an Investment Mistake: Are Families Getting It Wrong?

Overview of Insurance Misunderstanding in Personal Finance Insurance as an investment mistake is becoming increasingly common in personal finance discussions across India. Many families in India incre…

8 April 2026

Side Hustle Income Is Up — But Tax Planning Is Still Ignored

Side Hustle Income Growth in India Side hustle income and gig work earnings have grown noticeably in India as more people take on freelance work, online gigs, content creation, consulting, teaching an…

24 December 2025

RBI Policy for Financial Inclusion: Panchajyoti

India’s financial ecosystem is undergoing rapid transformation, and the Reserve Bank of India has taken a major step forward by launching its new five-year financial inclusion strategy—Panchajyoti . T…

24 December 2025

Reviewing 2025 Portfolio Performance- Why Asset Mix Matters Most!

The end of every year brings a natural pause—an opportunity to step back, observe, and evaluate how investments have performed. As 2025 comes to a close, an important moment for investors to understan…

25 August 2025

Discover Your Money Personality: Are You a Saver, Spender, or Strategic Planner

Money personality works like a financial fingerprint—unique to each person. It is a behavior that often reflects patterns developed over time. Some individuals prefer saving every rupee, others enjoy…

26 May 2025

Money Management for Your Kids

Instilling healthy money management habits from an early age is crucial for children's future financial well-being - its common sense. But in the busy-ness of life we tend to prioritize other actions…

19 May 2025

Money Management for Retired Individuals

Retirement may seem like an exciting phase of life, but without proper financial planning, it can be daunting as individuals get older, health issues may arise, leading to higher medical expenses. Fur…

12 May 2025

Are your Emergency Funds Adequate? Find out with this Checklist

In the journey of life, unexpected storms and opportunities can brew at any moment. Whether it's sudden medical emergencies, unexpected job loss, or unforeseen home repairs, or seizing unforeseen oppo…

5 May 2025

Money Management for Young Adults

Money management is a crucial skill that every young adults should learn. The need for financial literacy is reflected in the alarming rate of only 27% of the entire population in India being financia…

28 April 2025

Money Management for Women

Financial literacy is a powerful tool that can empower women to take control of their financial futures. The importance of financial literacy for women cannot be undermined, in fact financial literacy…

21 April 2025

Money Management for Housewives: A Guide to Financial Literacy and Security

A Housewife is the CEO of her home and as such an understanding of Financial Literacy and Security is essential in order to effectively tackle the unique set of challenges that they face. Housewives o…

14 April 2025

Smart Money Management for Homemakers – Advice, Plan & Smart Finance Awareness

For homemakers, be it a Housewife or a HouseHusband, money management can be a difficult task. With the daily demands of managing a home, saving for a rainy day can feel almost impossible. However, wi…

7 April 2025

Smart Money Management tips for College Students

College is an exciting phase for students but it can also be financially challenging at the same time. As you step out from a protected and sheltered school life to a more freedom filled college life,…

24 March 2025

Money Management for Senior Professionals

For senior professionals who have spent years climbing up the corporate ladder, financial success and stability are essential. According to a study by the National Endowment for Financial Education (N…

17 March 2025

Money Management for Small Business Owner

According to a study conducted by IBM Institute for Business Value and Oxford Economics in 2021, around 90% of Indian startups fail within the first five years. This high failure rate is attributed to…

10 March 2025

Money Management for Single Parent

Being a single parent in India comes with its own set of financial challenges. Balancing parenting responsibilities with financial stability requires effective money management skills. So, here we bri…

3 March 2025

Money Management for Parent of a Child with Special Needs

Raising a child with special needs presents unique challenges for parents, be it mental and physical strength to cope up with the special needs or finances to get the best treatment and facilities. Th…

24 February 2025

Money Management for Senior Citizens

Senior citizens in India face unique financial challenges as they navigate towards retirement, healthcare costs, and other expenses. It is extremely important to manage finances efficiently at that st…

17 February 2025

Mastering Money Management for Entrepreneurs

Being an entrepreneur comes with the excitement of pursuing your passion and building a successful venture. However, one aspect that is often overlooked by entrepreneurs in managing their business is…

10 February 2025

Smart Finance Advice for Women: Understanding the Difference Between Saving and Investing

The world of finance is an intimidating one, especially if you’re a woman who has little to no experience managing money. It’s important to understand the difference between saving and investing so th…