Live a Happier Life with Image Consulting

Rebuild Yourself

Get a New Look with Image Makeovers. Ankitaa helps you refresh your physical appearance, AND your personality. Explore Image Consulting..

Look Gorgeous

Get styling help to dress according to your shape AND your age, while keeping your individual personal style. Explore Styling Assistance

Beat Stress

Use our expertise to live a stress-free life. Ankitaa can help you reduce stress with simple therapies and tips. Explore Stress Solutions

Start A Business

Turn your passion into a profitable business, without any compromises, Ankitaa will show you how. Launch Your Career

Read what our Clients are Saying..

  • "I always wore silver.. till Ankitaa did my color analysis and totally changed my appearance. She recommended gold and I've never looked better!" - Alyssa (Florida, USA)
  • "Ankitaa did my colour analysis and style review. She even did a professional photoshoot for me. She's a great listener and always has wonderful tips and advice." - Aditi (New Delhi, India)
  • "I'm in my 40s and recently divorced. Ankitaa did a complete makeover and gave me the confidence to join the real world after a really dark period of my life." - Kenneth (Wisconsin, USA)
  • "Ankitaa was an excellent business development manager who helped us through many fundraising events, plus she launched several digital campaigns for an image makeover." - NGO Khushii (New Delhi, India)
  • "My parents wanted me to get married but I was not ready. After working with Ankitaa on my conversation skills and a few changes to my appearance, I was ready to meet girls." - Vikas (Haryana, India)
  • "Ankitaa has proved her worth as a dedicated Image Consultant, always willing to go that extra mile. She is a pleasure to work with. I wish her all the success!" - Sangeeta (New Delhi, India)
Read Ankitaa's Latest Image Consulting Posts

Are You Financially Smart?

16 May 2016

financially smart anksimageFinances are something I used to shy away from. I let others deal with it. But that’s not right. You have to be financially smart. You have to do smart financial planning to live life your way, instead of life dictated by others around you.

Here are my tips to become financially smart:

Choose Your Money Goals
Budgets Don’t Work
Avoid Sales
Track Your Spending
Pay Off Your Debt
Different Eggs, Different Baskets
Buy Insurance
Pay Your Taxes On Time

How to be More Financially Smart


Choose Your Money Goals


Choosing your own personal money goals can motivate you better to earn the money you need to achieve that goal. And of course, goals will change over a course of time as you achieve milestones.

For example, saving for your own home is a great motivation tactic, and once you’ve moved into your new home, maybe now you can update your money goals to take a vacation. As life happens, plan and work for your goals.
Back to List

Budgets Don’t Work


I mean it, budgets don’t work because you can’t possibly anticipate or predict life as it happens. However, instead of getting frustrated with budgets, you can try create a spending plan starting with your savings.

Pay yourself first (within reason) to boost your savings (in a savings account, or retirement plan), and then pay off the monthly bills. This ensures you have money saved up for emergencies, and your monthly dues are resolved too. That’s financially smart 101.
Back to List

Avoid Sales


We’ve all given the logic that we save money with sales at our favourite stores, but we do know the truth – we end up buying way too much to benefit from any sales at all. I myself tend to buy clothes from the “New Arrivals” section instead, even though I would’ve entered the store for the sale itself.

Sales are a bane to our existence. Buy clothes and accessories that you absolutely need. It’s our own precious money, so treat it nicely but not splurging on mindless retail therapy.

Also Read: What Not to Do At Sales
Back to List

Track Your Spending


Tracking your spending lets you have an idea about actual spending vs. ideal spending, aka your budget, if you have one. This also lets you update your budget in a more effective manner, while giving you an idea where you need to work to boost your savings.

track finances anksimage

For example, if you’ve been spending way too much on eating out, chances are you will actually benefit both health-wise and money-wise if you cut down on the number of nights you eat out. Eat home-cooked food instead, and be more healthy.

While tracking your spending, track your credit report on a regular basis too. Check CIBIL for your latest information to plan better on being financially smart. And take action, if and when needed.
Back to List

Pay Off Your Debt


Pay off your credit card balances in full every month. If you do have to carry a balance (because you simply can’t pay it off in full), try to pay off more than the minimum amount and refrain from using the credit card till the balance is paid off. And don’t forget to take advantage of any reward points offered by your credit card. Most credit card companies do.

If you have any student loans, concentrate on getting them over because they can put a dent on your credit report. However, loans like car loans and house loans can add brownie points to your credit report, provided you are paying off the premium payments on time.

And in case you have personal loans from other people, try to pay off the high-interest loans first, and then concentrate on the rest of the debt.
Back to List

Different Eggs, Different Baskets


In today’s economy, don’t rely on only one source of income. Try to get a second job, or third. There are many websites who can provide you with great opportunities. Try Sheroes.in, freelancer.com, worknhire.com, for more information.

And remember to track and record your payments received as part of being more financially smart. If receiving fees in cash, it’s more prudent to request in cheques instead – your accountant can give you the technical reason.

Also Read: How to Start Your Own Business
Back to List

Buy Insurance


Buy insurance to protect different aspects of your life – home, office, health, life, car, etc. It’s good for you, and good for the rest of the family. And pay on time always.

And did you know you can actually get a loan from your life insurance policy? In emergencies when you keep beating yourself about what to do next, take a loan from your life insurance policy and work with the policy agent to plan out an affordable pay-back plan.
Back to List

Pay Your Taxes On Time


Declare your revenue, no matter what. Get a good accountant who not only does your taxes but also thinks for your benefit. There are many perks for women in India when it comes to taxes, so you can pay a lot less in taxes, as compared to your male counterpart.

And don’t forget to keep a record of your taxes too. You never know when you will have a need for them. I mean, look at Amitabh Bachchan’s 2001 tax case – it’s going to be reopened this year.
Back to List

In Conclusion

So reading all these points on being financially smart, do you think you are? I became more financially “aware” once my baby was born. Though not financially “smart”, I’d like to think of me as a work-in-progress. I know my spending limits, work multiple jobs, and am serious about being up-to-date with my insurance policies. But some areas – understanding taxes, retail therapy tendencies – are a few where I am still struggling with.

Let me know what you think of these points to become more financially smart. What do you do for smart financial planning?

How To Look Fat In Sarees

2 May 2016

how to look fat in sarees anksimageWe curvy girls can’t help but look fat at the most inopportune moments, whether we are tipping the scales in the wrong direction, or not. So here’s checklist on how to look fat in sarees. Read it to avoid these mistakes.
Read more..

How to Look Confident, Even When You’re Not Feeling It

4 Apr 2016

look confidentIn a job like mine, I have to look confident in public. If not, who will hire me as a consultant? So here’s how to look confident, even when you’re not feeling it. You never know when you might need this.
Read more..

Top 13 Ways To Lose Weight At The Gym Fast

19 Feb 2016

Lose Weight At The Gym Fast anksimageThere are many ways to lose weight at the gym fast. Sure you can lose weight at home too, but truthfully speaking, there are way too many distractions at home. Here are my tried and tested methods for you today.
Read more..

How to Use Twitter for Business

30 Jan 2016

how to use twitter for business anksimageTwitter is a great tool you can use for your business. Though there are many features, let me show you how to use Twitter for business, if you are just getting started, or trying to figure how Twitter can help you.
Read more..

7 Easy Makeover Tips

28 Jan 2016

easy makeover tips anksimageCheck out these affordable and practical and super easy makeover tips you can try at home. Add these to your normal routine and feel better with flawless skin and gorgeous hair. Give yourself a makeover to live it up.
Read more..

 

badge

© Copyright 2008 - 2016 AnksImage™ All Rights Reserved.
Client Code of EthicsCode of EthicsPrivacy PolicyT&C