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Tanya Saksena

Tanya Saksena

Senior Copywriter, Lxme

How to overcome from common financial problems.

Let’s be honest: talking about money problems still feels a little taboo, right?

But if we, as women, don’t talk about money and problems, who will?

If you’re reading this and thinking, “Wow, this feels personal,” that’s because it is.

Here’s a fact from 2024: According to a survey by ET Money, 63% of Indian women said they feel anxious discussing financial issues, even with family.

Ladies, it’s time to stop feeling bad about your money issues and start feeling motivated enough to fix them. Let’s rip off the band-aid and get into the five big financial problems that haunt us; and exactly how we’re going to beat them:

1. Living Paycheck to Paycheck

You earn. You spend. You pray your salary hits before your rent’s due.

Rinse and repeat.

This vicious cycle traps millions of women across India. It’s not because we don’t work hard. It’s because money problems are sneaky like that.

What to do:

Start tracking every rupee.

  • Use simple apps like Lxme and use its Budget Planner.
  • If you can see where your money goes, you can make it stay longer.
  • Small cuts like ditching food delivery apps and expensive coffee breaks can add up to huge savings over time. You can even try out Lxme’s Savings Challenges to save 5K to 1 Lakh by investing a new, small amount every day.

2. Crushing Debt

Credit cards, personal loans, “just one quick EMI”, the next thing you know, you’re buried alive.

Debt is one of the ugliest financial issues because it eats your income before you even touch it.

What to do:

  • List every single debt you owe.
  • Target the smallest one first while paying minimums on the rest (this is called the snowball method).
  • Each small win builds momentum until you’re debt-free.
  • And no, taking another loan to pay off a loan is not the move.

3. No Emergency Fund

Emergency? In this economy? Between rising healthcare costs and unstable job markets, not having an emergency fund is asking for money problems. Financial specialists recommend saving 3-6 months’ worth of expenses.

What to do:

4. No Investment Plan

If your money’s sleeping in a savings account, it’s getting poorer every year, thanks to inflation.

Not investing is one of the sneakiest money issues women face because we’re taught to “save” but not “grow.”

What to do:

  • Start small. You can start investing in mutual funds with as low as ₹100 with Lxme, an invesment platform for women.
  • In 2025, women-only investment clubs are booming. Even you can be a part of Lxme’s Community to discuss everything money in a safe space.

5. Financial Dependence

Depending on your husband, father, or brother for money?

You are handing over your financial freedom. 

What to do:

  • No matter how small your income is, manage your own money. You can learn everything about personal finance with Lxme to take charge of your money and life.
  • Open your own bank account and investment plan.
  • Set financial goals for yourself; no matter if it’s building a business, buying property, or just being able to walk away from anything that doesn’t serve you.
  • In 2024, a Groww study showed that more Indian women under 35 are handling their own investments independently than ever before. You’re not behind; you’re right on time to flip the script and Lxme is helping you do that easily.

Remember, money and problems are twins! You can’t have one without the other sometimes. But every financial issue you’re facing today has a way out. You are not “bad with money.” You are not “too late.” You are not “stupid” for getting stuck. You are a woman living in a complicated world, doing her best. And today? Your best includes facing your money issues head-on. One small decision at a time. One brave conversation at a time. One paycheck at a time. You’ve got this!

FAQs:

How can you identify the key financial challenges affecting your budget?

Start by tracking every single expense for a month; no cheating. Patterns will pop up real quick. Look for recurring debits like subscriptions, online shopping sprees, or weekend takeouts. Once you spot the usual suspects, you can start plugging those leaks and making better budget choices.

Which actionable strategies can help in managing multiple financial challenges simultaneously?

Prioritize! List out your financial problems. Focus on the ones costing you the most first (like high-interest debt). Automate savings where you can. Set mini-goals for each problem so it doesn’t feel like you’re drowning. Multitasking is messy; strategic tackling is smart.

How do real-life examples of overcoming financial challenges inspire better money management?

Hearing how someone clawed their way out of 5 lakh rupees in debt or built an emergency fund from scratch reminds you that it’s possible. It makes the dream real. Success stories aren’t about luck, ladies. They’re blueprints you can follow, tweak, and own.

Further read:

Please note, The Lxme Dream Card services has been discontinued from 30th November, 2024 to make way for something very exciting!

Sorry for the inconvenience caused and stay tuned for something really special!

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