Overview

Money decisions rarely wait for the perfect moment. They show up uninvited - when you're buying your first car, choosing insurance, managing a salary hike, or wondering if you should pay off a loan early. In those moments, most of us don't need long lectures or complex formulas - we just need clear, confident answers we can trust. That's exactly why I wrote this book. The Personal Finance Ready Reckoner is not a textbook or a motivational read. It's a handy guide, a decision partner, and a financial compass you can turn to whenever you face a money dilemma. Each chapter focuses on one real-world question and gives you practical, step-by-step guidance to handle it wisely - without jargon, confusion, or stress. I've spent over a decade in corporate and personal finance, helping people simplify their money lives - and one thing I've learned is that financial success comes not from knowing everything, but from making the right small choices consistently. Think of this book as your shortcut to that kind of success. Whether you're just starting your financial journey or looking to fix what's gone off track, you'll find answers here that are realistic, flexible, and time-tested. You don't need to read this book cover to cover. Flip to any chapter that speaks to your situation - read for ten minutes, and walk away with clarity. Because financial wisdom shouldn't be complicated. It should be practical, personal, and immediately useful. Here's to making smart, confident, and meaningful money decisions - one chapter at a time. - Supriyo Banerjee

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