Diwali bonus is like that relative who shows up unexpectedly with gifts—you’re happy, tempted, and slightly irresponsible. But before Amazon, Myntra, and That One Lehenga Win, here’s how to split that bonus like a boss.
Step 1: 30% → Guilt-Free Festive Spend
Yes, spend. We’re not here to preach minimalism during Diwali. But cap it. Saree, décor, sweets, gifting—do it within the 30%. If it doesn’t fit, it waits.
Step 2: 30% → Investments
Start a new SIP or increase your existing one. Even ₹2k–₹5k makes a difference. Or put a chunk in mutual funds, gold ETFs, or SGBs. Diwali is about Lakshmi—invite her properly.
Step 3: 20% → Emergency Fund
Life doesn’t give a warning before throwing a plot twist. Add money to your “I don’t want to ask anyone for help” fund.
Step 4: 10% → Insurance & Future Security
If you don’t have health insurance or term insurance yet, please pause the Farah Khan lehenga search right here.
Step 5: 10% → You Money
Not for family. Not for kids. Not for dog food. For YOU. Your solo trip, Zumba class, Kindle, high-tea day—whatever sparks joy without EMI.
The idea isn’t to stop celebration—it’s to stop regret. Women especially tend to blow the bonus on family gifts, home needs, and last-minute relatives. This time, take charge like the CFO you secretly are.
Imagine March 2025:
- SIPs running
- EMIs controlled
- Emergency fund intact
- You still wore that fabulous kurta
Sounds like Diwali done right, no?
