I did not learn about money from textbooks.
Money decisions are rarely just about money.
They are shaped by habits, emotions, and everyday choices we often don’t pause to examine.
MoneyDecider is built to help you bring clarity to those decisions.
Our Purpose
In daily life, we constantly face questions like:
- Should I save more or invest?
- Is taking a loan the right step right now?
- Am I spending out of need—or out of habit?
- Is this “smart choice” actually costing me more over time?
MoneyDecider exists to help you think through these questions with clarity and awareness, not confusion.
What You’ll Find Here
This platform focuses on simple, practical, and relatable financial thinking.
Here, you will find:
- Clear insights on everyday money decisions
- Practical perspectives on spending, saving, and borrowing
- Real-life observations that highlight hidden costs and habits
- Thoughtful content designed to make you pause and reflect
The goal is not to overwhelm you with information, but to help you understand your decisions better.
Our Approach
We don’t believe in rushed financial advice.
Instead of telling you what to do, MoneyDecider encourages you to ask:
- Why am I making this decision?
- What is influencing this choice?
- What could be the long-term impact?
Because better decisions come from better understanding—not just more information.
My Story
The ideas shared on this platform are not based on theory alone. They come from real-life experience—through different phases of life, responsibilities, and financial challenges.
I did not learn about money from textbooks.
I learned it the hard way—through real-life decisions, mistakes, and responsibilities.
I worked as a teacher in a private school for nearly a decade. Later, I joined APDCL, where I continued working until I chose to resign. In recent times, I have been working as a freelance journalist.
Alongside my professional journey, there was another path—my financial journey.
I had to take multiple loans at different stages of my life. Some from banks, and at times even from local money lenders at high interest. These were not impulsive decisions, but responsibilities I had to carry—completing the house my father started, supporting my sister’s medical treatment, and contributing to my younger brother’s marriage.
There was a time when I was under significant financial pressure, managing multiple loans and credit dues. It was not easy. It forced me to reflect deeply on my decisions, my habits, and my understanding of money.
Over time, through discipline, awareness, and more careful thinking, I was able to repay most of these debts. The journey is still ongoing, but it has changed the way I look at money—and the way I make decisions.
This website is a result of that journey.
I do not claim to be a financial expert. But I write from experience—about the choices we all face: whether to take a loan, when to invest, how to think before spending, and how to avoid the mistakes that quietly cost us over time.
If my experiences can help you think more clearly and make better money decisions, then this effort has meaning.
A Simple Belief
Small, everyday habits often shape our financial life more than big decisions.
Sometimes, improving your finances doesn’t require drastic changes—it begins with noticing what usually goes unnoticed.
Final Thought
If this platform helps you:
- think a little more clearly,
- question your financial choices, or
- make more mindful decisions,
then it has served its purpose.
Make decisions that make sense—not just decisions that feel right.
–Naivedyanandan Sonowal