Money Vichara

When Numbers Start Telling a Story In our last post, we explored the five key areas to track in personal finance: Income , Expenditure , Investment , Return , and Net Worth . Tracking these gives us a clear snapshot of where we stand financially. But tracking alone is not the destination — it is the starting point. The real magic happens when we interpret those numbers using meaningful reference points. (Please click here for last article:  Track It to Grow It: Why Money Tracking is Key to Financial Success ) That is what this post is about. I am sharing a set of simple benchmarks and thumb rules that can help you reflect on your financial progress. These are not rigid formulas, but practical benchmarks I’ve compiled for this post—adopted from financial wisdom, real-life experiences, and conversations with people striving to manage their money better. There may be some overlap or even minor contradictions between different benchmarks, but they are meant to serve as referenc...