The Vibe Journal: Finance Blogs

In today’s debt-driven economy, all individuals and business ventures depend on credit at one point or another. The credit score becomes essential in this context as it establishes the borrower’s creditworthiness and repayment history.  Lenders are more likely to offer a loan or a credit card if your score is high. As such, you must …

Dreams of visiting exotic destinations are not uncommon, but travelling anywhere requires money, which we usually may not have in abundance. It is not easy to tick things off your bucket list when your bank balance is low, but it’s not impossible, either. We often end up spending tons of money unnecessarily by making unwise …

A fixed salary offers financial security that ensures your monthly needs are met. However, rising inflation rates may make it challenging to get through the entire month. As per an EY-Refyne survey, more than 80% of employees use up their entire salary before it is time to receive the next month’s salary.  This can make …

It is believed that living well and achieving dreams like buying a car, travelling or buying a home require quite a bit of financing as well as financial planning. Saving a bit of your income each month goes a long way if you wish to lead a comfortable life and be prepared for emergencies like …

Nothing in the world is as empowering as knowledge – the single biggest driver of economic growth globally. However, with rising costs of education, this development may go for a toss. Over 70% of students opt for higher education and fund a major chunk of their education with pricey loans. To add insult to injury, …

Just landed a new job and struggling to meet ends? Don’t know who to turn to for your temporary cash-crunch? A salary advance can be a panacea for all your liquidity problems. The concept technically refers to an early payment of a portion of an employee’s salary – but is often used to refer to …

From paid vacations to health insurance, organisations have left no stone unturned to ensure the convenience of their employees. However, with the state of the global economy and rate of inflation we tend to see, money seems to be slipping out of our bank accounts faster than we can earn it. Despite meticulous planning and …

Imagine being able to borrow money without any hassles or unruly paperwork, so that you could buy your dream car or house. However, reality is far from such a scenario. Borrowing money from the bank depends on a number of factors – the most important being your credit score. A credit score is an indicator …

The middle class in India is majorly a salaried class, with their dreams and aspirations packed in a budget. For daily commutes, the good old two-wheeler remains a necessity for many in the vastly populated towns and city roads. For daily chores or reaching office in the rush hours through our notorious traffic, two-wheelers are …

The role of financial wellness in organisations is undeniably of utmost vitality. Complex organisational structures and modern corporate lifestyles often heighten stress levels among employees. Stress is now ranked as the top lifestyle risk factor, with more serious repercussions than obesity and physical activity. And financial concerns of individual employees are the biggest factor impacting …