Personal Finance Masterbook (PDF eBook + 4 Google Sheets Trackers) | Info Bites

Description

Master your money in 30 days, even if you have never learned finance

If you earn a salary and still reach the 25th of every month wondering where the money went, this ebook is for you. The Info Bites Personal Finance Masterbook is written for young Indian earners in their first few years of work, earning anywhere from ₹20,000 to ₹1.5 lakh a month. No finance background needed. Every idea is explained with simple Indian examples in rupees.

What you will learn: 11 practical pillars

1. Cash Flow & Smart Budgeting: find your spending leaks and automate the 50/30/20 rule.
2. Insurance & Emergency Funds: how big your safety net should be, plus health and term cover done right.
3. Debt Elimination: snowball vs avalanche methods and smart loan management.
4. Wealth Building & SIPs: compounding, index funds and setting up automated SIPs.
5. Credit Score & Credit Cards: reach 750+ and use cards without falling into debt.
6. Stock Market & ETFs: investing vs trading, and why about 9 in 10 F&O traders lose money.
7. Gold & Modern Alternatives: Gold ETFs, gold funds, SGBs, REITs and more.
8. Fraud & Cyber Safety: UPI scams, fake apps, “digital arrest” and what to do in the first hour.
9. Money Mindset: beat lifestyle inflation and social media pressure.
10. Funding Your Desires: Goal Buckets for trips, cars and gadgets, with no EMIs.
11. FIRE & Long-Term Goals: calculate your F-Number and track your net worth.

Bonus: 4 automated Google Sheets trackers

• Monthly Budget Tracker: see your needs/wants/savings split and where money leaked.
• Emergency Fund Calculator: get your target and how many months it will take.
• SIP & Wealth Projection Calculator: project your corpus with step-up and inflation.
• Net Worth Dashboard: track your net worth every quarter.

Also included

• Bonus chapter: Income tax basics for salaried people (FY 2026-27). Old vs new regime, with a worked example.
• A 30-day action plan: one small task a day.
• A yearly money checklist to review every April.

Who is this for?

• Freshers and young professionals who just got their first salary
• Anyone who wants to start SIPs but doesn’t know where to begin
• People stuck with credit card dues or too many EMIs
• Anyone who wants a simple, India-specific money system

Format and delivery

31-page PDF (A4) with clickable chapter bookmarks. Instant download after payment. Your download link is also emailed to you. Figures are as of November 2026.

This ebook is for education only and is not personalised financial, investment, tax or legal advice. Investments are subject to market risks.