Dealing with ITC loss can be such a pain. Here’s a simple tip: make it a habit to check your suppliers' GSTIN every month. Using a tool like ExpressGST can really help keep your 2B data in check. Also, if you include ‘proof of filing’ in your vendor contracts, it gives you some solid protection. A lot of successful small businesses do this as a quick 20-minute weekly task. It's really not much to ask, and it helps keep your cash flow safe from any GST mismatches.

@Reema Foreign investment can be very helpful, but it does come with its fair share of risks. It makes you think about how well our regulations hold up when things get tough. Honestly, I'm not sure about this, but can our banks really handle a sudden crisis without everything falling apart?

@Diya-Meta
You don't really need to overthink the wallet. UPI is the best option for almost all transactions. It's a trustworthy choice for resolving payment failures and offering special discounts. I would only consider using the wallet if you see an offer that's too good to pass up; otherwise, it’s just one more thing to manage.

Good call on verifying the fees. In the current market, Kuvera is still one of the best options for true zero-commission direct plans. Groww is fantastic if you care about a sleek UI, and Zerodha is as solid as it gets for your SIPs. Keep in mind that direct plans must not have platform fees, so only choose paid subscriptions for exclusive features. By following a simple, direct strategy, you can ensure a higher retention of your profits.

It’s probably just a minor glitch or some interest recalculation (234B/C) on their end. Before you pay it, just double-check your Form 26AS against your TDS details to see if anything is off. Don't forget to check for the Section 143(1) email they sent—it will highlight the differences between their calculations and yours. It’s better to verify the mismatch first.

Choose a policy that is adaptable and can grow with your life changes. It’s also a good habit to check your coverage once a year. When you're single, your needs differ from when you have a family or a higher income. A plan should grow with you instead of becoming outdated in a few years.

@SanyaSays It really depends on how often you dine at restaurants. Those dining cards are awesome if you hit the milestones, but otherwise, the fees can eat up your rewards pretty quickly.

You should check your average monthly spending first , if the perks outweigh the cost, go for it. If it’s a close call, a basic no-frills card might actually save you more in the long run.