navratri

Navratri is in its last stretch and Dussehra is on Tuesday. Here are nine money habits, one for each day of the festival. Start on whichever day you are on and finish by Diwali. Each one takes less than ten minutes.

Day 1: Write down every subscription you pay for. Cancel one.
Day 2: Check your emergency fund. Under 3 months of expenses? Set up an auto transfer, even a small one.
Day 3: Open your demat or exchange account and write a one line reason next to each holding. No reason, no holding.
Day 4: Add up your fees for the last three months: trading, fund expense ratios, bank charges.
Day 5: Increase one SIP by 10%. You will not feel it next month.
Day 6: Move long term crypto that is sitting on an exchange to a wallet you control.
Day 7: Tell one family member where your investments are and how to access them.
Day 8: Check your term and health cover. If you have none, get quotes.
Day 9: Write your one money goal for the next 12 months on paper and put it where you will see it.

Nine days of this does more than nine months of watching charts.

Which day will be hardest for you? For me it is always Day 4.

Shubh Navratri. Education only, not financial advice.

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