Friendships bring joy. And if you have friends who are smart about managing their money, then it shall bring you riches too.

No matter how attractive a pre-approved offer may seem, bear in mind that there are indeed no free lunches

Here's how you can plan better and pay smarter!

Despite these advantages consider your options carefully and make a decision based on your abilities and your financial goals, says Abhishek Agarwal.

If you want to create wealth IGNORE these excuses!

You can still save a little more than you already are by changing a few spending habits.

Your social media profile may soon be your ticket to a loan or a credit card, says Abhishek Agarwal

Do you save to spend or spend to save? If you belong to the second category, reward points can only harm your financial health.

An error does not become a mistake until you refuse to correct it. Errors in your CIBIL credit report can become costly mistakes if you do not rectify them in time. So next time you get your CIBIL report, do not just see the score and tuck it away.

Weekends can be fun without spending too much only if you could think a little creatively. It is indeed possible to have a killer weekend, even when on a budget!

If you ever face a situation where your card transaction is declined, it is advisable to call your bank and check with them for the cause. In most cases, unless it's a fraudulent issue, the problems will be resolved on the phone.

Going through these steps are by no stretch of imagination fun things to do, but if you do indeed lose your wallet, these steps may come in handy and reduce your stress.

Abhishek Agarwal takes a controversial view on how our dreams are being mortgaged by EMIs we keep paying month after month.

It is better to be safe than sorry!