The Emergency Fund That Saved Me — and the Envelope That Taught Me How to Build It
I grew up in a quiet village called Fanar, nestled amidst the majestic hills of Bharmour, Himachal Pradesh. Life was simple, yet every rupee carried deep purpose. My Papa was a thekedaar, working on local construction sites — and during apple season, he doubled as an apple merchant, often traveling long routes to sell produce. He even supplied goats to the Indian Army in Leh-Ladakh — a man of many hats, but one vision: stability for the family. My Mammy was the backbone of our home — a full-time homemaker who quietly ran the household with wisdom, discipline, and her trusted tin box — which we fondly called the SANDOOK.
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Financial Planning Tips Every School Staff Meeting Should Cover
I was posted as a TGT Non-Medical at GMS Khadet back then. That day, I had just returned from checking on the One of the respected elder lady from our community — she was seriously ill and had been rushed to a private hospital the night before. The entire village was anxious. The school was tense.
I had barely set my bag down in the staffroom when
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Dear Teachers: Your Savings Can’t Fight Cancer — But Health Insurance Can
I thought I was financially prepared — I had savings and a plan.
But March 2020 shattered that illusion. It taught me a hard truth: health insurance for teachers isn’t optional. It’s the safety net we all need.