Sonowal Naivedyanandan

Naivedyanandan Sonowal, is a writer from Assam, India, who brings together lived experience, thoughtful reflection, and a deep understanding of life’s transitions in his work. An adventure rider at heart, he has journeyed across Nepal, Ladakh, and the Northeast—experiences that have shaped his perspective on endurance, clarity, and self-discovery. The solitude of the mountains and the challenges of the road continue to influence both his thinking and his writing. He is the author of *The Smart Retirement Guide: Your Path to Health, Fitness, and Financial Freedom*, available on Amazon. Through his writing, he focuses on helping readers navigate important life decisions—especially around money, purpose, and retirement—with clarity and awareness. Beyond writing, he is also a quiz master in local communities, actively fostering curiosity, learning, and critical thinking. His work is driven by a simple but powerful intention: to help people think clearly, live consciously, and make decisions that truly align with their lives.

Should You Take a Home Loan? Use This 3-Filter Rule Before You Decide

April 27, 2026April 10, 2026 by Sonowal Naivedyanandan

The 3-Filter Rule for Home Loan Decisions There is a moment many of us quietly arrive at.You start noticing houses along the roadside—beautiful, modern, thoughtfully designed—as you travel or walk through your neighbourhood. At first, it feels casual. Just browsing. Just observing. But slowly, a thought begins to settle:“Maybe it’s time to have a place … Read more

The 3-Filter Rule Before Making Any Major Money Decision

April 24, 2026April 9, 2026 by Sonowal Naivedyanandan

A person writing on a notebook on his lap

There are moments in life when a financial decision quietly asks for your attention. It does not always arrive dramatically. Sometimes it begins as a simple thought—Should I invest this money?Is this the right time to buy a house?Should I take this loan? At first, it feels manageable. You tell yourself you will think about … Read more

How to Think Clearly Before Making Any Big Financial Decision (A Practical Framework)

April 24, 2026April 8, 2026 by Sonowal Naivedyanandan

thinking clearly before making a financial decision using calculator and money

Making a big financial decision—whether it’s buying a home, investing in the stock market, starting a business, or taking on a significant loan—can feel like stepping into a stormy sea. One wrong move, and the consequences can affect your financial health for years. At first glance, money decisions seem easy and logical. We deal with … Read more

A Simple Plan to Manage Your Money Without Confusion

April 24, 2026April 8, 2026 by Sonowal Naivedyanandan

People often feel the need to manage money only when they are in dire necessity—and by then, many have already fallen into a debt trap. It’s a stressful place to be. Later, they think, “If only I had started earlier, or had some idea about managing money.” Keeping this in mind, we are bringing this … Read more

Is Taking a Personal Loan Ever a Good Decision?

April 24, 2026April 3, 2026 by Sonowal Naivedyanandan

Is Taking a Personal Loan Ever a Good Decision? Introduction Personal loans are often seen in two extreme ways. Some people treat them as an easy solution to any financial problem.Others avoid them completely, almost with fear. The truth usually lies somewhere in between. A personal loan is neither good nor bad by itself. It … Read more

10 Money Mistakes That Can Ruin Your Financial Life (And How to Avoid Them)

April 27, 2026April 3, 2026 by Sonowal Naivedyanandan

Money mistakes rarely look like mistakes at first.They feel normal—small, harmless, even justified.And that’s where the real danger begins. Money doesn’t ruin lives overnight.It slips quietly—through small decisions, ignored habits, and delayed actions. Most people don’t fail financially because they earn too little. They fail because they unknowingly repeat a few critical mistakes—again and again. … Read more