As 2025 comes to an end, Puisa Kotha Hunibo? concludes its final column of the year. We would like to thank our readers for staying with the column over the past six months and for the consistent support, engagement, and feedback. Your responses have helped shape the direction of these discussions and reinforced the need for practical, grounded conversations around money.
Over this period, the column has focused on everyday money behaviour, how people earn, spend, save, and make decisions in real life, beyond theory or technical advice. If these articles have helped readers think a little differently about how they earn, spend, or save, then the purpose of this column has been served.
Several themes and lessons stood out clearly through reader feedback and engagement. Based on what resonated most with the audience, here are six reflections that received the most appreciation:
- Take trips without falling into debt traps
- Keep your lifestyle in sync with your income
- Address month-end blues through better budgeting
- Habits make us richer or poorer. So, choose your habits wisely
- Be rational. Don’t be married to your assets
- Not every expense adds value; learning to distinguish between need, habit, and social pressure improves financial stability
Building on these reflections, sharing five practical money goals readers can consider for 2026: - Take health insurance for yourself and your family by choosing a plan that suits your needs and affordability
- Save at least 20% of your income by saving first and spending later
- Build at least one additional income stream through options such as dividend-paying stocks, bonds, or fixed deposits
- Calculate your net worth by listing all your assets, (like mutual funds, real estate, stocks etc) and deducting all your liabilities (like loans, credit card debts etc)
- Maintain a diary and track your progress on these goals regularly
Looking ahead to 2026, the aim is to be financially educated and make wiser, smarter money decisions. Financial empowerment at the individual level gradually strengthens households and, in turn, the wider community. That remains the simple idea behind this column.
Thank you for reading, and for staying with the conversation.
Paweii Kayina
Founder, Moneybar