<div style="page-break-before: always; page-break-after: always;">Women have come a long way, excelling in different spheres of life. While they increasingly find themselves in positions of responsibility and authority, attaining financial wellness or independence still remains a far-fetched dream for some women. Palka Arora Chopra, Director &ndash; Master Capital Services, defines financial wellness as comprehensive financial health and the absence of financial strain. &ldquo;Financial wellness for women entails preparing for both the present and the future through informed decision-making, cultivating prudent saving practices, and effective money management,&rdquo; she adds. Akhilesh Gupta, Chief Investment Officer &ndash; Aviva India, opines that women find it difficult to keep a grip on their finances, especially after getting married. &ldquo;That&rsquo;s because they either leave their jobs and merge their assets with their spouses, or simply begin to depend on their husbands for financial management.&rdquo;Whatever the challenges, Palka shares some strategies women can adopt to enhance their financial wellness.<img src="https://cdn.magzter.com/Femina/1713957558/articles/iP9hmtwoG1714028063721/3611179686.jpg" style="width: 100%;" />Know Your Finances Having a firm grasp of personal finance empowers you to make informed decisions confidently. There are various resources available, such as books, websites, podcasts, and videos, that can enhance financial literacy.<div style="page-break-before: always; page-break-after: always;">Set Budgets Document sources of income, including salaries, bonuses, freelance earnings, and other revenue streams. Next, track expenses meticulously, categorising them into essentials (housing, utilities, groceries) and discretionary expenditures (dining out, entertainment, and shopping).Set Financial Goals Set realistic goals based on your current circumstances and future ambitions. Ensure your savings are in alignment with both your short-term and long-term goals, assigning a timeframe for each target. Assessing your current income, expenses, and assets will help you set achievable goals that match your financial capacity. Review and monitor progress towards goals to foster motivation and make necessary adjustments.<div style="page-break-before: always; page-break-after: always;"><img src="https://cdn.magzter.com/Femina/1713957558/articles/iP9hmtwoG1714028063721/6136661867.jpg" style="width: 100%;" />Plan For Emergencies Consistently allocating a part of your income enables the creation of a fund capable of addressing unforeseen expenses such as medical emergencies, car repairs or even job loss. This buffer helps you navigate difficult times without resorting to credit cards or loans.Plan For Retirement A fundamental aspect of retirement planning lies in disciplined savings habits. Also, take into account individual circumstances when establishing retirement objectives. Factor in career interruptions, healthcare costs, and longevity risks to develop a thorough retirement strategy.

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Girish Ramdas is the Co-founder and CEO of Magzter, a New York based startup that has been making waves in the global digital publishing business. Magzter has crossed 80 million users since its inception in 2011 from more than 150+ countries with 1000s of magazines, newspapers and books from more than 4,500 publishers worldwide. He has more than 25 years of experience in cross-platform publishing, including print, mobile, and Web development. During this period, he has co-founded and run three successful start-up businesses. He has enabled magazine companies to go digital and helps them monetize their content across the digital world. Girish's deep industry experience in online, mobile and publishing ecosystems has made him an expert in acquisition, marketing and monetizing digital content across platforms globally.

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Magzter Inc. is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 80 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

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Magzter offers the world’s largest {{allyoucanread}} subscription service called {{gold}} which gives digital readers unlimited access to 8,500+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

Magzter offers the world’s largest “All-You-Can-Read” subscription service called Magzter GOLD which gives digital readers unlimited access to 8,500+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

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is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

n. We will also use usage information in order to ensure users adhere to our Terms of Use. For example, a user’s usage information will help us confirm that a user only downloads a magazine or other content a permitted number of times or to a permitted number of devices.

which gives digital readers unlimited access to 8,500+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

{{magzter}} is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.