The festive season is upon us and we are starting to plan Diwali gifts for our loved ones. One things all the Diwali memes have taught us is that gifting Soan Papdi is as bad as sharing Soan Papdi memes.

But we get the challenge. Finding interesting and meaningful Diwali gifts for friends and family can be tricky. To save you from the embarrassment of becoming a Soan Papdi gift-er, we went out and found unique festive themed products from awesome Indian brands you can buy for yourself and your loved ones this season.

#1 Araku Coffee

Araku coffee brings single-origin pure Arabica coffee grown by a collective of local farmers in the unique geography of north eastern Andhra Pradesh. The award winning Araku team has a rich culture of sustainable farming, growing business through cooperatives and product innovation.

Source: https://www.arakucoffee.in/

Try their Signature Blend for a coffee which everyone will like or go with Araku Selection if you are in the mood for a hot cappuccino on a cold evening.

#2 Naagin Sauce

Replace your childhood Diwali memories of burning the snake cracker with memories of enjoying Naagin Hot Sauce.

One of India’s first hot sauce companies, it was started with the aim of giving Indian chilies their rightful place on our plates. They have specially designed dips, sauces, chili oils, all created for the Indian palate to help you upgrade your food. Check out the Bhoot Jholakia Hot Sauce if you are in a particularly courageous mood or go for the versatile “The Original” which pairs well with everything.

#Sirohi Décor

Pick up sustainable décor items to spruce up the home for the festive season. Sirohi is a collective helping women from low income backgrounds in rural Haryana and Uttar Pradesh to connect with buyers for their unique handwoven décor and furniture products. Check out the Gauhar Dhoop Box Combo or the  Pinot wine box. Bring some elegance into your annual pooja ritual.

Source: https://www.instagram.com/sirohi.in/

#4 Oorjaa Lights

Lights are what brings out the spirit of Diwali and Oorjaa has beautiful designs made from sustainable materials such as paper, jute, mesh and concrete. Oorjaa is a paper studio started with the mission of making spaces glow. Each light they create is made by an artisan and is as unique as a fingerprint.

Source: https://www.instagram.com/oorjaadesign/

#5 Beco Cleaning Products

Diwali is the traditional Indian spring cleaning time.\

You can make your annual Swachh Bharat drive into a sustainable activity by using products from Beco. The cleaning products are affordable, plant based and eco-friendly, with no use of plastic in their packaging.

Source: https://letsbeco.com/

Try the Diwali essential hamper which will cover all your deep cleaning needs or check out their grooming essentials hamper which would make for a great gift.

Hope you found interesting Diwali gifts to send it your friends and family. Wishing you a Soan-Papdi-Free Diwali!

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The excitement of a new offer on your favourite website, the melodious chime when your UPI payment goes through, the flutter in your heart when you spot something you love - if you’re an avid shopper, you know nothing really beats these moments! However, as thrilling as it is to bring home something new, it’s important to practise fiscal responsibility so that a fun habit doesn’t turn into a major liability.

Fortunately, it’s easier than it sounds! Check out these money-saving shopping tips that are super simple to follow!

1. Choose your sources carefully

It’s quite tempting to rely on your favourite ecommerce website whenever you need anything. But, did you know that many popular websites add their own markups to products?

Here’s an example: You might spot a pastel pink ceramic casserole dish on Website A  priced at ₹650. Save the image and try a Google Image Search (wherein you can search items by uploading their images). The results will show you different websites that offer the same product.

Website B and Website C may have sourced the same dish from the same vendor, but their own markups might be lower. This is a great way to get what you want without overspending.

2. Use a monthly budget planner!

The ease with which digital payments work can make it harder to keep track of your spending. Using a monthly budget planner (whether a digital budget planner or a good, old-fashioned notebook) can really go a long way.

Ideally, your planner should have a column dedicated to expenses, and one dedicated to earnings. Money spent on meals, household essentials, salaries, and any form of shopping should go under the expenses column so that you’re always aware of where each rupee is going.

Determine your monthly budget at the beginning of the month and use the expense tracker to make sure you’re sticking to it.

3. Find a great savings app!

Remember those piggy banks you had as a kid? Wouldn’t it be great if you could use them to save money for specific needs? A money saving app that works like a piggy bank can be the ideal solution for you.

Hubble Money is a great example of a money saving app that lets you save at your own pace. What’s more, you can earn 10% guaranteed rewards on all your savings, no matter how large or small the amount may be. The app lets you plan purchases and withdraw money anytime, without any applicable charges. You can redeem your savings to buy any product from their partner brands in electronics, appliances, fashion, beauty and jewellery.

4. Don’t rely on sales!

As inviting and exciting as those large banners with impossibly low prices are, the truth is that sales often cause us to spend more money. We’re more likely to get swept up by the excitement of a 50% Off tag and end up buying three pieces of an item we don’t need, instead of just one. As a result, instead of spending 100% of the original amount, we end up spending 150%.

The only time you should rush into a store during a sale is when you’re absolutely sure of what you want. If you’re just browsing, trust us, you’re going to end up with a lot of impulse purchases!

5. Try the 30-day rule!

Finally, this one for all you shoppers who cannot resist the impulse to purchase, well, anything. The 30-day rule is a great one to follow if you need help understanding whether you really want something, or are just buying it for the sake of it.

It’s simple. When you see something you like, wait 30 days before making a purchase. If your heart still yearns for that item, you should buy it. But if you’ve practically forgotten about it, the chances are that you never really needed it in the first place.

These simple tips will make it so much easier to save money without actually saying no to shopping! To start saving for specific purchases, check out Hubble Money today!

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Let's look at some time tested tips to put you on a path to become a wise spender.

It can help you save for future goals, such as buying a house or starting a business, and ensure that you have enough money for your daily needs. Here are some tips for spending money wisely:

1. Create a budget: One of the most important steps in spending money wisely is to create a budget. A budget will help you track your income and expenses and ensure that you are not spending more than you can afford.
2. Prioritise your spending: Once you have a budget, it's important to prioritize your spending. For example, you should focus on spending money on essential items, such as food and housing, before spending money on non-essential items, such as entertainment or luxury items.
3. Avoid impulse purchases: It's easy to get caught up in the moment and make impulse purchases, but it's important to resist the urge to buy things that you don't need. Instead, take the time to think about whether or not you really need something before making a purchase. We built Hubble Spending Money account just for this. You can keep money for your discretionary needs here and get the most out of it.
4. Take advantage of sales and discounts: One of the best ways to save money when shopping is to take advantage of sales and discounts. Paying full price because you are impatient is not a good flex to have. Keep an eye out for deals and promotions, and use coupons and promo codes whenever possible.
5. Live below your means: It's important to remember that you don't have to keep up with the Joneses. Living below your means can help you save money and ensure that you have enough money for your future goals.
6. Invest your money: Consider putting some of your money into investments, such as stocks, bonds, or real estate. Investing your money can help it grow over time and provide you with a secure financial future.

Remember to be mindful of your spending and always think about your long-term financial goals before making a purchase.

There’s a lot of confusion out there about the difference between a budget and a spending plan. After all, they both involve tracking your income and expenses, right? While it’s true that both budgets and spending plans can help you get a handle on your finances, there are some key differences between the two. Let’s take a closer look at the difference between a budget and a spending plan.

How does a Budget work?

A budget is created by allocating a certain amount of money to specific expenses over a period of time. This could be done on a monthly, quarterly, or yearly basis. The goal of a budget is to ensure that you do not spend more money than you have coming in.

To create a budget, you will need to track your income and expenses over a specific time so that you can get an accurate picture of where your money is going. Once you have this information, you can start to allocate funds to specific categories like housing, food, transportation, etc.

It is important to remember that a budget is not static; it will need to be updated as your income and expenses change. For example, if you get a raise at work, you may need to adjust your budget accordingly.

How does a Spending Plan Work?

A spending plan is less about numbers and more about making informed choices about where to spend your money. It begins with understanding your values and setting financial goals that align with those values. For example, if one of your values is family, you may want to set a goal to spend more quality time with your loved ones instead of working overtime at the office.

Once you have identified your values and set financial goals, you can begin to make informed decisions about your spending. This means being mindful of every purchase you make and asking yourself whether or not it aligns with your values and goals.

It is also important to remember that a spending plan is not static; as your values and goals change over time, so will your spending decisions.

Which One Is Right For You?

Most experts recommend using some form of budgeting or spending plan to get your finances under control. But which one is right for you? It really depends on your personal financial situation and what your goals are. If you’re looking to get an idea of where your money is going each month, then a budget may be all you need. But if you’re trying to get out of debt or save up for a major purchase, you may need the structure and discipline that comes with a spending plan.

So, what’s the bottom line?

Both budgets and spending plans can help get your finances under control. The key is to find the method that works best for you and your unique financial situation. If you’re not sure where to start, try creating a simple budget to get started. Then, you can decide if you need to move to a more detailed spending plan.

Spending accounts are a great way to manage your finances and have control over your spending. They are an easy way to keep track of your money and ensure that you are not overspending. Spending accounts come in many forms and can help you save money, budget, plan for retirement, and even manage your taxes.
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Types of Spending Accounts

Personal Spending Account

A personal spending account is a type of bank account that allows you to save money and track your spending. This type of account allows you to set up a budget and plan for your future. A personal spending account can also be used to manage your debts, such as credit cards and loans. It is important to keep track of your spending and make sure that you are not overspending.

Budgeting Spending Account

A budgeting spending account can help you stay on track with your budget. This type of account allows you to set a budget and keep track of your spending. You can also set up notifications that remind you when you need to make payments. Budgeting spending accounts can also help you save money by setting aside money for specific goals.

Financial Planning Spending Account

A financial planning spending account is a type of account that can be used to plan for your future. This type of account allows you to set aside money for retirement, college expenses, or other long-term goals. Financial planning accounts can also help you save money by setting up automatic savings plans.

Credit Card Spending Account

A credit card spending account is a type of account that allows you to use your credit card to make purchases. This type of account is great for those who want to make purchases without having to carry cash. However, it is important to make sure that you are paying off your balance each month and that you are not overspending.

Debit Card Spending Account

A debit card spending account is a type of account that allows you to use your debit card to make purchases. This type of account is great for those who want to make purchases without having to carry cash.

Banking Spending Account

A banking spending account is a type of account that allows you to make payments with your bank account. This type of account is great for those who want to make payments without having to carry cash.

Online Spending Account

An online spending account is a type of account that allows you to make payments online. This type of account is great for those who want to make payments without having to carry cash. However, it is important to make sure that you are not overspending and that you are using your account responsibly.

Joint Spending Account

A joint spending account is a type of account that allows two people to make payments from the same account. This type of account is great for couples or families who want to make payments together.

Corporate Spending Account

A corporate spending account is a type of account that allows a business to make payments from the same account. This type of account is great for businesses that want to make payments without having to carry cash.

Retirement Spending Account

A retirement spending account is a type of account that allows you to save and invest money for your retirement. This type of account is great for those who want to save and invest for their retirement without having to worry about taxes.

Savings Spending Account

A savings spending account is a type of account that allows you to save and invest money for short-term goals. This type of account is great for those who want to save and invest for specific goals without having to worry about taxes.

Family Spending Account

A family spending account is a type of account that allows a family to make payments from the same account. This type of account is great for families who want to make payments together without having to carry cash. However, it is important to make sure that all family members are not overspending and that they are using the account responsibly.

Travel Spending Account

A travel spending account is a type of account that allows you to save and invest money for travel. This type of account is great for those who want to save and invest for travel without having to worry about taxes.

Student Spending Account

A student spending account is a type of account that allows students to make payments from the same account. This type of account is great for students who want to make payments without having to carry cash.

Expense Tracking Spending Account

An expense-tracking spending account is a type of account that allows you to save and invest money for everyday expenses. This type of account is great for those who want to save and invest for everyday expenses without having to worry about taxes.

In conclusion, spending accounts are a great way to manage your finances. They can help you save money, budget, plan for retirement, and even manage your taxes. It is important to make sure that you are not overspending and that you are using your account responsibly. Spend wisely and enjoy the benefits of having a spending account.

Spending more money than you have or can afford is known as overspending. Without a budget or a plan for how you will spend your money, it might be simple to overspend without recognizing it.

You must be able to spot when you are overpaying in order to prevent it. Here are some pointers to help you spot excessive spending in others or yourself.

Establish a budget

Spend some time calculating your current financial situation and your recommended course of action. Make a list of the necessities and desires you have. Prioritize what you need and watch your spending on what you want to avoid going overboard.

Maintain a spending log

Count the amount of money you spend each month. You can use this to find any places where you might be spending too much.

Be mindful of your feelings

Emotions like being bored, stressed out, or anxious can frequently be the cause of excessive purchasing. Take a step back and consider if you actually need the thing or if you are just desiring it if you find yourself wanting to spend money when you aren't feeling great.

Set boundaries

Establish your spending limits for particular goods and activities in advance. Setting a limit will prevent you from going overboard.

Compare prices

Make sure you're receiving the greatest value by doing comparison shopping. Don't immediately purchase what you see.

Avoid making impulsive purchases

You frequently end up buying stuff on impulse that you don't truly need. Give it some thought before you make a purchase to see if you actually need it.

Avoid shopping when you're starving

Shopping while famished may result in spontaneous purchases. Before you go shopping, have a snack or a meal to help you stay under your budget.

Seek assistance

Speak to a trusted adult if you're having problems managing your finances. They can assist you in determining how to stick to your spending limit and prevent going overboard.

Although it can be challenging to change a spending habit, you can manage your money with a little work and restraint. Make sure to heed these advice to spot excessive spending patterns and control your spending.