Saving ₹1,00,000 is a powerful first milestone — it builds financial discipline, funds emergencies, and kickstarts investing. In this comprehensive 2025 guide we’ll cover physical and digital saving box ideas, practical saving strategies, creative options, step-by-step plans (including the 52-week challenge), common mistakes to avoid, and an FAQ you can add to your post to […]
Cilar
Cilar is a personal finance expert sharing practical strategies to save money, budget effectively, and make smarter financial decisions. CentstoSense provides actionable tips, top finance apps, and insights to help readers achieve financial stability, reduce money stress, and build long-term wealth.
How to File ITR in 2025: Step-by-Step Guide for Beginners
Income Tax Return (ITR) filing season in India is an important time for taxpayers. For the Assessment Year (AY) 2025-26, filing your ITR correctly is not only a legal obligation but also a step towards better financial planning. Many beginners feel confused about forms, documents, deadlines, and the actual filing process. This article is designed […]
GST on Gold in 2025: How It Affects Your Jewelry Purchases & Investments
Gold has always been one of the most popular investments and cherished commodities in India. Whether it’s buying jewelry for festivals, weddings, or investing in gold bars and coins, understanding the Goods and Services Tax (GST) on gold in 2025 is essential for making informed financial decisions. This comprehensive guide covers everything you need to […]
Complete List of Bank Holidays in September 2025 for India
Bank holidays play a vital role in the financial and personal planning of individuals, businesses, and organizations across India. Knowing the dates in advance allows you to manage banking transactions, stock market activities, and even plan vacations or long weekends efficiently. In this comprehensive guide, we provide a complete list of bank holidays in September […]
Top 10 Best Budgeting Apps for College Students in 2025 (Save Smarter & Stress-Free)
College life can be full of freedom, deadlines, and tight budgets. Whether you’re juggling tuition, rent, food, and coffee runs, a great budgeting app can be the difference between constant stress and steady savings.This guide compares the 10 best budgeting apps for college students in 2025, with official links, key features, pros & cons, and […]
Step-by-Step Guide to Real Estate Crowdfunding for Beginners in 2025
Real estate has always been one of the most reliable wealth-building assets. However, until recently, investing in real estate required significant capital, knowledge, and access to exclusive deals. Enter real estate crowdfunding—a game-changer for beginners in 2025 who want to diversify their portfolios without the headaches of property ownership. This guide will walk you through […]
How to Start Investing with Just $50 (Beginner’s Roadmap)
Most people believe investing requires thousands of dollars, years of financial knowledge, or a fancy broker. That’s simply not true. Thanks to modern financial tools, apps, and global investing platforms, you can start investing with just $50 today — no matter where you live. In this guide, we’ll break down a beginner’s roadmap to investing […]
How to Save 5000 Rupees / $100 Extra This Month: Simple Hacks That Work
In today’s fast-paced world, saving money has become more of a challenge than ever. Rising expenses, impulsive spending, and lifestyle temptations often drain our wallets before the month ends. But what if I told you that you can save an extra ₹5000 (around $100) this month without making major sacrifices? Yes, it’s possible. With some […]
Index Funds vs. ETFs in 2025: Which Is Better for Beginners?
New to investing and torn between index funds and ETFs? You’re not alone. Both are low-cost, diversified, and beginner-friendly. This guide explains how they work, where they differ in 2025 (fees, taxes, automation, and access), and a simple framework to choose the right one for you. Contents What Are Index Funds and ETFs? How They’re […]
The Lazy Person’s Guide to Budgeting: Save More Without Stress
Short version: set up a few automations, focus on big wins, and use one or two apps to do the bookkeeping for you. This guide shows you step-by-step lazy-friendly methods that actually save money — without spreadsheets or daily tracking. Jump to: Why lazy budgeting works Pay yourself first (set & forget) Automation: bills & […]