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.
Best Way to Invest in Gold with Little Money for Beginners (India 2025 Guide)
Gold has always been more than just jewellery in India—it’s an emotion, a security, and a long-term wealth builder. But you don’t need lakhs...
What is Cyber Insurance and Should You Care? (2025 India Guide)
In an era where your money, identity, and even personal photos live online, cyber threats are no longer just a "tech problem." They're a...
Buying a Car in India: Smart Move or Financial Trap in 2025?
For many Indians, buying a car is a proud milestone—a symbol of success, freedom, and convenience. But in 2025, with rising fuel prices, expensive...
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...
