7 Financial Tips For Young Adults

The connection between mental health and physical wellness is profound, highlighting how closely the mind and body influence each other. While mental health affects physical health in countless ways, physical wellness, in turn, plays a critical role in shaping emotional well-being. Understanding this relationship is essential for achieving a balanced, healthier life. How Mental Health Impacts Physical Wellness Stress and Its Physical Manifestations Chronic stress can have significant effects on the body. Elevated stress levels lead to increased cortisol production, which may result in headaches, muscle tension, and fatigue. Over time, stress can contribute to serious conditions like heart disease, high blood pressure, and weakened immunity. Depression and Physical Health Depression often leads to lethargy, poor sleep, and changes in appetite. It can also decrease motivation to engage in physical activity, which further exacerbates health issues. Studies have linked untreated depressi...

Food is more than fuel—it’s a source of pleasure, connection, and vitality. Choosing a healthy approach to eating doesn’t mean giving up your favorite dishes or following rigid rules. Instead, it’s about finding balance, embracing variety, and making choices that nourish your body and enhance your well-being. What Does Healthy Eating Mean? Healthy eating is about consuming a diverse range of foods that provide the nutrients your body needs to function optimally. These include vitamins, minerals, proteins, fats, carbohydrates, and water. A balanced diet doesn’t exclude indulgences; it’s about moderation and ensuring your meals are primarily nutrient-dense. The Building Blocks of Healthy Eating Here are some key components to focus on when adopting healthier eating habits: Fruits and Vegetables These are rich in vitamins, minerals, and antioxidants that support your immune system and overall health. Aim to include a rainbow of colors on your plate to get a wide range of nutrients. Whole...

For finance students, non-convertible debentures (NCDs) offer an opportunity to explore how companies manage capital, while artificial intelligence (AI) in HR is transforming workforce strategies. Poonawalla Fincorp ’s decision to raise Rs 190 crore through NCDs is not just a financial move—it reflects the intersection of structured finance and cutting-edge technology. Understanding NCDs: A Key Financial Tool NCDs are fixed-income instruments issued by companies to secure funds without diluting equity. Unlike convertible debentures, they do not convert into shares, making them ideal for businesses seeking debt-based funding. In this instance, the NBFC aims to raise Rs 100 crore with an additional Rs 90 crore via a green shoe option. These debentures are secured, redeemable, rated, and listed on the Bombay Stock Exchange (BSE), offering both safety and liquidity. With a coupon rate providing an extra 2% over the applicable base rate, they appeal to investors prioritizing consistent retu...

Chai, or tea, is more than just a drink—it’s a cultural staple and a source of comfort for millions around the world. From spicy Indian masala chai to the delicate green teas of East Asia, chai takes on many forms, each with its own unique flavors and traditions. Let’s explore the different types of chai that exist globally and what makes each special. Masala Chai: The Indian Classic Masala chai is a fragrant blend of black tea, milk, sugar, and spices like cardamom, ginger, and cinnamon. Often brewed over a stove, it’s the quintessential Indian tea that’s perfect for rainy days or social gatherings. Every household has its own recipe, making it a deeply personal experience. Green Tea: Light and Refreshing Green tea is cherished for its subtle flavor and numerous health benefits. Originating in China and Japan, it’s made by lightly steaming or pan-frying tea leaves, preserving their green color. Whether enjoyed plain or as matcha (powdered green tea), it’s a staple for wellness enthusi...

  Saying “no” often feels like an impossible task. Many of us agree to things out of politeness or fear of disappointing others, only to feel overwhelmed later. However, learning to say “no” is one of the most empowering skills you can develop, giving you control over your time and energy. Why We Struggle to Say No The root of the struggle lies in a desire to please others. We fear that saying “no” will make us seem rude or unkind. Yet, constantly agreeing to things—whether extra work tasks, social events, or favors—often leads to burnout. The Power of Boundaries Setting boundaries doesn’t make you selfish; it makes you self-aware. When you say “no” to things that drain you, you create space for what truly matters. This could mean spending more time with family, pursuing hobbies, or simply relaxing without guilt. Practical Ways to Say No Be Polite but Firm: “I appreciate the opportunity, but I’m unable to commit right now.” Offer Alternatives: “I can’t take this on, but perhaps [...

  As a finance student, I often study case studies of companies that excel in challenging environments. Poonawalla Fincorp ’s Q3FY25 performance immediately caught my eye. Their 41% AUM growth year-on-year and 13.3% rise in disbursements reflect a solid understanding of market dynamics and operational efficiency. Why It’s Relevant to My Studies In our coursework, we frequently discuss the importance of liquidity and risk management. Poonawalla Fincorp’s liquidity position of ₹4,800 crore is a textbook example of how companies can prepare for growth while safeguarding stability. Poonawalla Fincorp ’s use of AI in HR also ties into my interest in how technology is reshaping the finance world. Lessons for My Career The Importance of Risk Mitigation: The rise in NPAs to 2.1% highlights the challenges companies face, but their growth shows how risk can be managed effectively. Embracing Technology: From credit assessments to HR, Poonawalla Fincorp’s use of AI aligns with the tech-driv...