For decades, the Indian middle class has viewed gold as the ultimate "Suraksha Kavach" (safety shield). But for a Gen-Z student in 2025, the traditional "Sunar" (jeweler) model is increasingly inaccessible. With 24K gold prices breaching the ₹75,000–₹80,000 mark per 10 grams, the barrier to entry has moved from "difficult" to "near-impossible" on a student budget. This is why Digital Gold investment for students has evolved from a fintech trend into a core financial strategy. Digital Gold vs Physical Gold: Breaking the ₹100 entry barrier. In this deep analysis, we peel back the layers of the digital gold ecosystem. We don't just ask if it's easy; we analyze the trustee structures, the "buy-sell spread" math, and the regulatory gray areas that every young investor must understand. This article is ...
5 Common Personal Finance Mistakes Students Make & How to Avoid University life is an exciting chapter filled with new freedoms, and one of the biggest is managing your own money. However, without a proper guide, it's easy to fall into financial traps that can have long-lasting effects. Building strong financial literacy now is the key to a secure future. Let's break down the five most common personal finance mistakes students make and provide simple, actionable steps on how to avoid them. 1. The Mistake: Having No Budget (or "Wingin' It") This is the number one financial sin. If you don't know where your money is going, you can't control it. Simply " hoping " you have enough money left at the end of the month is a strategy for failure. How to Avoid It: Create a simple budget. You don't need a complex spreadsheet. Start by tracking your income (allowance, part-time job, scholarships) and your fixed expenses (rent, fees, phone bill). Wh...