Kamal Agarwal
A tech enthusiast with a deep interest in machines, the web, books, and life’s subtle wonders. I run NiyaWeb in the time I have beyond my core responsibilities, along with a small team of passionate writers. Together, we explore ideas that inform, inspire, and simplify the digital world.
How to Save Money Fast on a Low Income (Realistic Indian Guide)
Think saving money is only for high earners? Not true. Even with a low income, a small salary, or an inconsistent income, saving money quickly...
Money Traps You Must Avoid in Your 30s (Especially in India)
Your 30s are a turning point. You’re likely earning more, maybe settling down, or even raising a family. But with financial freedom comes responsibility—and...
How to Split Your Salary: 50-30-20 Rule for Indian Millennials
Struggling with where your salary goes every month? Whether you're a fresher earning ₹25,000 or a working professional with ₹80,000, the confusion remains: How...
Emergency Fund vs Savings Account: What’s Better?
🧾 Introduction
Managing your money wisely isn't just about earning more—it's about being prepared. Two of the most commonly suggested tools in personal finance are...
Difference Between Secured and Unsecured Loans Explained with Examples
🧾 Introduction
In today’s financial world, loans are a common way to fulfill dreams—be it buying a house, starting a business, or managing emergencies. But...
Evening Routine for Students: How to Wind Down, Reset & Prepare for a Successful...
For students, evenings can easily become a blur of endless scrolling, cramming, or mindless exhaustion. But what if those final hours of your day...
The Ultimate Morning Routine for Success: Start Your Day Like High Performers Do
What do successful CEOs, creators, athletes, and thinkers have in common?
They don’t start their day by snoozing the alarm or scrolling social media.They start...
10 Powerful Signs You Need a Digital Detox (And What to Do About It)
In a world where we’re constantly connected to messages, notifications, reels, feeds, likes, emails — it’s easy to forget what it feels like to...
Is Consumption of Bhang Legal in India? Here’s Everything You Should Know
Bhang has been part of India’s culture for centuries, from Shiva temples to Holi festivities. But with cannabis laws being strict in the country,...
How to Buy Mutual Funds Using Zerodha Coin (2025 Beginner’s Guide)
Zerodha is already a household name among Indian stock market enthusiasts, and its mutual fund platform — Zerodha Coin — makes it incredibly easy...
