Before fixing anything, get brutally clear.
Create a simple table:
👉 You’ll usually find credit cards (30–45%) and personal loans (12–24%) hurting the most.
This is the biggest win.
Use this single loan to close credit cards + small personal loans.
💡 Result:
If cash flow is tight:
⚠️ Rule:
Lower EMI now, but prepay aggressively later to avoid long-term interest trap.
If consolidation isn’t possible immediately:
Many salaried professionals miss this:
Even ₹5,000/month saved = ₹60,000/year prepayment.
Check:
👉 Total EMIs ≤ 40% of net monthly income
If you’re above this:
Before
After Consolidation
Debt isn’t the enemy.
Unplanned, high-interest debt is.
If you want, tell me:
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The service was very good. I got a big rebate from IT with Taxmanger assisted filing without any query. The filing process and documents request process is also very simple. The main point here is I use to file IT using a very reputed IT filing firm but the refund use to get was nil. But with Taxmanger assisted filing I got a refund amount of nearly 01 L. I suggest to check the service once and will continue for ever.
I am very much delighted with the service of Tax Manager, especially Ms Bhawna Kashyap, she had filed my return on 25/10/23 at 11am approx & Refund CR in my AC on 26/10/23 at 12:10pm....Great work team Tax Manager !!!
Smart and hard work is what I came across in this tax filing company. Not once I felt that they hesitated in answering my problems. An efficient team under strong and efficient leadership can be seen in their quality of work
CA Ashish is an excellent auditor and a person with integrity and patience. He is very caring and helpful. Bhavana is a very proactive person who is very prompt in answering clients calls and replies promptly to my messages on WhatsApp. My ITR filing was a seamless experience and I would love to go back to TAX manager next year. Premkumar Chennai
I was assisted by Ms.Kavisha Goel for my Filing IT returns. She was courteous & professional in her approach. She took extra initiative in my file & i am delighted with her approach. I thank Tax Manager team for your suggestion & service.
Tax Manager is providing the best services in Scrutinising , verifying and Filing the Tax Returns for the customers. Ms Bhavana from the team needs special mention for her commitment and uber service in Filing the ITR . Completed my ITR very quickly. Keep the good work ON 🤝🤝👏👏
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