CA Nitin Kaushik Reveals 5-Step Formula for Smarter Money Management

• Chartered Accountant Nitin Kaushik emphasizes that financial improvement can start any day, not just new years or Mondays.
• He advises reviewing past spending to identify money leaks before setting one to three clear financial goals.
• Kaushik suggests focusing on income, fixed expenses, and discretionary funds rather than rigid budgeting.
• Automation of savings transfers is crucial, making discipline less reliant on willpower.
• Continuous learning in finance, investing, and taxation is encouraged, as knowledge compounds over time.