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				<title>Her Money, Her Rules: Why Women Must Own Their Financial Future</title>
				<link>https://freefincal.com/her-money-her-rules-why-women-must-own-their-financial-future/</link>
				<pubDate>Wed, 08 Apr 2026 07:30:38 +0000</pubDate>
								<dc:creator><![CDATA[M. Pattabiraman]]></dc:creator>				<guid isPermaLink="false">https://freefincal.com/?p=345476</guid>
					<description><![CDATA[It has been one of my favourite topics – Finance! Specifically, Personal Finance. You might...]]></description>

				<content:encoded><![CDATA[<figure><img src="https://freefincal.com/wp-content/uploads/2024/10/Her-Money-Her-Rules-Why-Women-Must-Own-Their-Financial-Future.webp" class="type:primaryImage" /></figure><p><span >It has been one of my favourite topics – Finance! Specifically, Personal Finance. You might think that I belong to Wall Street or was an investment banker, but I am not. I am a Pharmacologist and work for a hospital. I was brought up to think that one should save and that the only investment option is FDs (Fixed Deposits).</span></p>
<p><strong>About the author:</strong> Dr Divya is a <span >Pharmacologist with a keen interest in finance. She runs a YouTube channel: <a href="https://www.youtube.com/@letstalkletslearn" target="_blank" rel="noopener">@letstalkletslearn</a></span></p>
<p><span >After I finished studying, I started working and got hooked on this personal finance website called getrichslowly.org. I used to read an article a day and found it very interesting. The blog was mainly about lifestyle and what money means to different people. It also talked about investing in mutual funds. </span></p>
<p><span >After getrichslowly.org, my other favourite blogs that I’ve read frequently are:</span></p>
<ol>
<li  aria-level="1"><a href="https://www.jagoinvestor.com/"><span >https://www.jagoinvestor.com/</span></a></li>
<li  aria-level="1"><a href="https://www.mrmoneymustache.com/"><span >https://www.mrmoneymustache.com/</span></a></li>
<li  aria-level="1"><a href="https://freefincal.com/?srsltid=AfmBOop1daA_w9kXpafFI8NjZvUrSIrmrCJeT2RL1WSc_3fwTQv4N0mk"><span >https://freefincal.com/</span></a></li>
<li  aria-level="1"><a href="https://www.subramoney.com/"><span >https://www.subramoney.com/</span></a></li>
<li  aria-level="1"><a href="https://www.monikahalan.com/"><span >https://www.monikahalan.com/</span></a></li>
</ol>
<p><span >I’ve tried to read and learn about personal finance for the last fifteen years, and here are my key takeaways:</span></p>
<ol>
<li  aria-level="1"><span >Save as much as you can in the beginning. Then, just enjoy some treats like the expensive coffee shop now and then. </span></li>
<li  aria-level="1"><span >Create an emergency fund – 6 to 9 months in the beginning is okay, but as you grow older, please keep a corpus of 2-3 years. If you are a woman and have kids, this helps; if you are a man or woman, this really helps when there is a job loss. It is easier to find a new job when you are younger, but the lag becomes longer as you grow older, and a larger emergency fund comes in handy. </span></li>
<li  aria-level="1"><span >Contribute to a PPF – it is a low-risk debt instrument and locks you in for 15 years, but I still think of it as a good instrument available to everyone. </span></li>
<li  aria-level="1"><span >Get health and life insurance. </span></li>
<li  aria-level="1"><span >If your employer offers a provident fund match, please use it and ensure you transfer your PF when you switch jobs. Many people have told me they forgot to transfer their PF, and the small or mid-sized company they worked for has now closed down. </span></li>
<li  aria-level="1"><span >After all this, please think of contributing to equity mutual funds. If you lead a busy life, as many of us do, just keep contributing and try not to check for a while. The money will grow as long as it is a decent fund.</span></li>
<li  aria-level="1"><span >Don’t get stuck in this rat race of choosing the best fund. I always tell my students that choosing the best mutual fund is like selecting the best book or resource to study for an exam. The point is to get started – not to choose the best study resource or mutual fund. </span></li>
</ol>
<p><strong>What It Means to Have Money &#8211; Especially as a Woman</strong></p>
<p><span >Having some money and security changes you for the better in many ways. No, I am </span><span >not</span><span > talking about having millions. I am just talking about having the basics, some emergency money and some investments in place. These basics will make you become a better person:</span></p>
<p><span >You will be less stressed in life and will be able to actually enjoy time with family and friends. </span></p>
<p><span >I think having good personal finance knowledge and actually applying it makes you a calmer person. It has definitely made me a better mother because certain small losses (like a lost school jacket or sudden school-imposed expenses) no longer affect me. It also means that I can hire extra help when I am tired and can’t possibly stretch my muscles and energy. The extra help enables me to spend time with my children, which is literally priceless.</span></p>
<ol>
<li  aria-level="1"><span >There will be times when friends will want to borrow money. You will be able to give it. You will be able to write it off if they don’t return it.</span></li>
<li  aria-level="1"><span >I like to pay house helpers generously – especially if they are very good at their job. The person who goes the extra mile at work </span><b>must</b><span > be rewarded. If I am the employer, I hope that I am always in a position to pay extra to the deserving. Too many people want to do the bare minimum at work. When I see someone give work the thought it deserves, I feel overjoyed <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f60a.png" alt="😊" class="wp-smiley"  /> </span><span >This can be cooking, cleaning, patient care, coding, writing – the list goes on and on. When someone tries to deliver quality without working on commission, it restores my faith in humanity. </span></li>
<li  aria-level="1">You will be able to ignore the unfair life dealings to a greater extent. In life, there are many unfair monetary charges. Landlords who don’t return the hefty deposit (this can be lakhs of rupees), banks that charge exorbitant fees for nothing, layoffs that may not be your fault at all, etc. These things will bother you, but to a much lesser extent when you don’t have to worry about finances.</li>
<li  aria-level="1">You won’t have to suck up to any boss. So very often, I see people bootlicking at work and really wonder if they would be the same if they had a solid financial foundation. Please be nice to the good bosses and employers – they deserve your loyalty and your niceties. But if you ever get stuck with a bad one, you will be able to ignore it and focus on work because you took solid steps to build a strong personal finance foundation!</li>
</ol>
<p><span >To me; having money and owing my financial future means that I can use it for the right reasons – helping someone out, rewarding the right person, keeping my cool even when I know that I am losing money (a lost rental deposit or a bad deal), being nice to people including people at work, paying for lunch when friends go out, making decisions about things that matter to you and most importantly – just living the life that you want. </span></p>
<p>The post <a href="https://freefincal.com/her-money-her-rules-why-women-must-own-their-financial-future/">Her Money, Her Rules: Why Women Must Own Their Financial Future</a> appeared first on <a href="https://freefincal.com">freefincal</a>.</p>
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