If you must borrow, choose short-term, transparent options you can comfortably repay. Avoid high-interest personal loans and credit card debt. Diwali is the perfect time to declutter finances and reset money goals
Prioritize clearing high-interest debts and building an emergency fund
Set a festive budget—limit spending to 10–15 per cent of monthly income
Use bonuses wisely: invest, reduce debt, and avoid credit card overuse