Every Paisa Matters

Every Paisa Matters Having gone through a journey of learning the difficult aspects of "Running the day to day aspects o A FinEnthu determined to make understanding Finance Simple.

An Engineer by Education
A Financial Enthusiast by Passion. Having gone through a journey of learning the difficult aspects of "Running the day to day aspects of Life" myself, I have now embarked on the second leg to share the same with people. Like many of you, I made mistakes too. I did have some blessed people by my side to coach, guide and navigate me and also to "advise rationally" what we sh

ould and shouldn't do. This year, I have learnt more than I learnt in past 15 years. The learning never stops!!! So, with the mantra of "Life is Simple, Let's not complicate it." I will try to share some valuable learnings which have helped me where I am today. These are some very easy to understand principles, things that each one you can follow easily. If you still can't follow, we will make it "EASier", for sure. So, let's learn something new today with a very easy aim to follow. That of "Bachate Rahein! Kamate Rahein!" because EVERY PAISA MATTERS

13/08/2026

🚗 I Got 3 Litres FREE! 😳

Yesterday, I stopped at an IndianOil fuel pump to refuel my car. The tank was almost empty, so I asked the attendant to fill it completely.

The bill came to around ₹4,000 for 42 litres of diesel.

But here's the interesting part...

I paid using the RBL IndianOil XTRA Credit Card, and that single transaction earned me 600 reward points, equivalent to ₹300 worth of FREE fuel—that's roughly 3 litres of diesel absolutely free!

And this isn't a one-time benefit.

⛽ Up to 10 litres of free fuel every month
⛽ Up to 120 litres of free fuel every year (subject to spends and reward limits)

If you regularly refuel at IndianOil, the RBL IndianOil XTRA Credit Card can be one of the best fuel credit cards to reduce your annual fuel expenses.

💬 Comment "FUEL" if you'd like to know more about the RBL IndianOil XTRA Credit Card or want the application link.

Follow for more credit card tips, fuel savings, cashback strategies, and reward hacks.

[RBL IndianOil XTRA Credit Card, Fuel Credit Card, IndianOil, Diesel, Petrol, Credit Card, Fuel Rewards, Reward Points, Fuel Savings, Every Paisa Matters]

12/08/2026

🚨 Don't Make This Mistake With Your Credit Card

The biggest credit card mistakes don't always happen because of overspending. Sometimes, they happen because you trust the wrong person.

During sale season, friends or family may ask you to make a purchase using your credit card so they can enjoy EMI offers or instant discounts. They promise to pay every EMI on time... until one day they stop.

Remember, the bank doesn't know who used the product. It only knows whose credit card was used.

That means it's your outstanding amount, your credit limit, your CIBIL score, and your responsibility. Missing payments can impact your financial health, even if the purchase wasn't for you.

If you ever decide to pay on someone else's behalf, collect the full amount in advance or avoid taking the risk altogether. A small favour today can become a big financial burden tomorrow.

💬 Have you ever been asked to use your credit card for someone else's purchase?

[Credit Card, Credit Card EMI, Credit Card Tips, CIBIL Score, Credit Limit, Personal Finance, Financial Mistakes, EMI, Money Management, Every Paisa Matters]

11/08/2026

💔 The End That Nobody Saw Coming

The Amex Platinum Travel Credit Card has been hit with another major devaluation, and this time it changes the value proposition of one of India's most loved travel credit cards.

In this reel, I answer the 3 most frequently asked questions after the devaluation:

1️⃣ Can the annual fee be waived?
Yes, many users have been able to get the fee waived or reduced by chatting with the American Express support team directly through the Amex app. It's definitely worth trying before renewing.

2️⃣ Which credit card should you move to next?
There isn't a one-size-fits-all answer. Your next credit card should depend on where you spend, what rewards you want, and your travel goals. If you'd like to stay within the Amex ecosystem, the Amex Platinum Reserve Credit Card is currently offering attractive welcome and referral benefits.

3️⃣ Where should you redeem your Membership Rewards points?
While redemption depends on your travel plans, Virgin Atlantic Flying Club and Marriott Bonvoy continue to be among the most valuable redemption options.

For flight redemptions, I personally use Realize.club to compare award availability and find the best value for Virgin Atlantic and other airline loyalty programs. You can use code EPM20 to get 20% OFF on your subscription.

💬 Comment "AMEX" if you'd like the Amex Platinum Reserve referral link, and I'll send it to you via DM.

Follow for practical credit card reviews, travel rewards, airline miles, and smart money-saving strategies.

[Amex Platinum Travel Credit Card, Amex Devaluation, American Express, Membership Rewards, Credit Cards India, Travel Credit Card, Virgin Atlantic, Marriott Bonvoy, Airline Miles, Realize Club]

09/08/2026

Gold Affiliate Link - https://link.amazon/B0fngifdS

🪙 Gold Deal Below Market Price? 🤯

If you’re planning to buy gold, this Amazon deal is worth checking out.

💰 MRP: ₹33,530 for 2g Gold
🎟️ Amazon Pay Cashback: ₹1,700
💳 HDFC Bank Credit Card Discount: ₹1,750
🎯 Total Benefit: ₹3,450
📦 Shipping: ₹99

That brings the effective price to ₹30,179 for 2g, or approximately ₹15,090 per gram.

The reference calculation shows a gold market rate of ₹15,284/gram, with 4% making charges + 3% GST, taking the final market-linked price to around ₹16,354/gram.

💬 Comment “GOLD” and I’ll DM you the deal link.

⚠️ Gold prices and offers can change. Check the final price, coupon availability and terms before purchasing.

Follow for more gold deals, gold price updates, Amazon offers and credit card savings.

[Gold, Gold Price, Buy Gold, Gold Deal, Amazon Great Freedom Sale, Amazon Gold, Gold Jewellery, HDFC Credit Card, Amazon Pay Cashback, Gold Investment]

08/08/2026

🚨 Your Online Order Can Cost You LAKHS!

Every day, we order from Amazon, Flipkart, Myntra, JioMart and dozens of other online shopping apps. But before throwing away the package, ask yourself one question...

Have you removed your personal details?

Your name, address, mobile number, email ID, barcodes, and QR codes printed on the packaging can reveal valuable personal information. In the wrong hands, this information could be used in identity theft, social engineering, or financial fraud attempts.

That's why I started using the ID Protector Plus—a simple identity theft protection roller that permanently masks your personal information before you throw away the package.

⚠️ This is not a sponsored video. I bought it myself because privacy is something we often ignore until it's too late.

🔗 If you'd like to get one, you can order it using the affiliate link in my bio.

📲 Share this reel with your friends and family. It takes just a few seconds to protect your personal information, but it could save someone from becoming the next victim of identity theft or financial fraud.

[Identity Theft, Financial Fraud, ID Protector Plus, Privacy Protection, Amazon, Flipkart, Online Shopping, Cyber Security, Personal Information, Identity Theft Protection]

07/08/2026

🪙 Gold Below Market Price? 🤯

Looking to buy gold? The Amazon Great Freedom Sale has a gold deal that could help you purchase 24K gold at an effective price below the prevailing market rate.

Here's how the deal works:
💰 Gold Price: ₹32,752 (2g) - Gold Price keeps changing
🎟️ Amazon Coupon: ₹1,900 cashback as Amazon Pay Balance
💳 HDFC Bank Credit Card Discount: ₹1,750
📦 Shipping: ₹99

✅ Total Benefit: ₹3,650
✅ Effective Price: ₹29,201 for 2 grams - Gold Price keeps changing
✅ Effective Cost: ~₹14,600 per gram (including making charges & GST)

For comparison, the gold market price on 7 August 2026 is around ₹15,000 per gram, making this a compelling offer for anyone planning to buy gold.

⚠️ This offer is available only on 7 August 2026 and may expire without notice.

💬 Comment "GOLD" and I'll DM you the deal link.

Follow for the latest gold deals, gold price updates, Amazon Great Freedom Sale offers, and credit card savings.

[Gold, Gold Price, Buy Gold, Gold Deal, Amazon Great Freedom Sale, Amazon Gold Offer, HDFC Credit Card, Amazon Pay Cashback, Gold Jewellery, 24K Gold]

07/08/2026

Gold Affiliate Link - https://link.amazon/B0iboEpEp

🪙 Gold Below Market Price? 🤯

The Amazon Great Freedom Sale has brought an interesting gold deal that could make your purchase significantly cheaper—if you know how to stack the offers.

Here's the calculation:
💰 Gold Price: ₹32,752
🎟️ Amazon Coupon Cashback: ₹1,900 (credited as Amazon Pay Balance)
💳 HDFC Bank Credit Card Discount: ₹1,750
📦 Shipping: ₹99

✅ Effective Price: ₹29,201 for 2 grams
✅ Effective Cost: ~₹14,600/gram (including making charges & GST)

For reference, the market price of gold on 7 August 2026 is around ₹15,000/gram, making this a deal worth checking out.

⚠️ This offer is valid only for today (7 August 2026) and may end without notice.

💬 Comment "GOLD" and I'll DM you the deal link.

Follow for more gold deals, Amazon Great Freedom Sale offers, credit card savings, and smart shopping tips.

[Gold, Amazon Great Freedom Sale, Gold Deal, Amazon Gold, HDFC Credit Card, Amazon Pay Cashback, Gold Coin, Gold Jewellery, Credit Card Offers, Every Paisa Matters]

06/08/2026

🔥 HSBC Just Raised The Bar!

While many banks are reducing benefits, HSBC is making its credit cards even more rewarding.

🎁 HSBC Spend Fest (Currently Ongoing):
• ₹2.5L Spend → ₹4,000 Amazon Voucher
• ₹4L Spend → ₹7,500 Amazon Voucher
• ₹8L Spend → ₹15,000 MakeMyTrip Voucher
• ₹50L Spend → Rewards worth ₹4 Lakh, including an iPhone 17 Pro Max.

And the HSBC Live+ Credit Card is now even stronger with 10% cashback on Dining, Food Delivery, Groceries, Shopping, and Utility Bills, with a monthly cashback limit of ₹1,200.

Plus, you'll continue to get:
✅ ₹750 Welcome Voucher
✅ ₹1,000 Welcome Cashback
✅ Extra ₹250 Amazon eGift Voucher when you apply using the link in my bio and complete your Video KYC.

If you're looking for one of the best cashback credit cards in India, HSBC Live+ is definitely worth considering.

💬 Would you choose HSBC Live+ over your current cashback card?

[HSBC, HSBC LivePlus Credit Card, HSBC Spend Fest, Cashback Credit Card, Best Cashback Credit Card, Shopping Cashback, Utility Cashback, Grocery Cashback, Credit Cards India, Every Paisa Matters]

05/08/2026

💸 SAVE ₹14,000 On Utility Bill Payment? 🤯

What if your utility bill payments could earn you ₹14,100 worth of Amazon Pay Vouchers every year?

That's exactly what the SalarySe LevelUp CUB Credit Card strategy can do.

Here's the simple strategy:
✅ Buy ₹15,000 Amazon Pay Voucher on the 1st or last day of every month.
✅ Buy another ₹5,000 Amazon Pay Voucher on any other day.
✅ Total monthly spend: ₹20,000.

With the Physical Card, this translates to:
🎁 ₹1,175 Amazon Pay Vouchers every month
🎁 ₹14,100 every year
✈️ 1 Complimentary Lounge Access every month (on meeting the spend criteria)

The Virtual Card still delivers an impressive ₹9,600 worth of Amazon Pay Vouchers annually, but for just ₹589 more, the Physical Card gives you ₹4,500 extra benefits along with lounge access—making it the better choice for most users.

🎉 Apply using the Referral link in my bio and use coupon code EPMSUPER or EPMCARDS to receive an additional ₹250 Welcome Voucher.

💬 Link to Apply SalarySe Level Up Card in Bio.

Follow for more credit card hacks, Amazon Pay strategies, and money-saving tips.

[SalarySe LevelUp CUB Credit Card, SalarySe, Credit Card, Amazon Pay Voucher, Utility Bill Payment, Cashback Credit Card, Lounge Access, Bill Payments, Savings Strategy, Every Paisa Matters]

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