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October 1, 2025
The auspicious Navaratri heralds the arrival of the festive season; Dussehra follows the nine-day puja, and soon comes the much-awaited festival of Diwali!
It’s a special time of year to celebrate with your family and share the joy of giving. Plans are made for renovating and decorating your home, buying a new car, the latest mobile phone your children want, or household gadgets that would make life easier.
Vendors also offer attractive sales and discounted goods because they know this is the peak shopping season. Attractive advertisements are displayed, and whether you are looking to buy goods online or browse through choices in person, you can be sure to enjoy the experience.
Making the celebrations memorable for your family requires extensive planning and arranging adequate finances so that there are no holds barred in making the Diwali celebrations the best!
Planning and securing funds ahead of time is the best way to ensure a stress-free experience. Saving beforehand is a wise choice, allowing you to make payments smoothly and on time. Diwali is the season for receiving the year-end bonus for hard work, which adds to the available funds.
You always want to buy the best for your loved ones and fulfil every wish, but everything comes at a price. This is where the principle of ‘cut your coat according to the cloth you have ‘comes in. It means making an affordable budget and keeping spending within the available funds. This will help you avoid last-minute shortages and ensure a stress-free festive season.
Doing research in advance for your requirements will stand you in good stead, especially for high-value commodities. Checking the availability and prices offered in advance will enable you to negotiate the best price and make the most suitable choice according to your requirements.
Emergencies always come unannounced; having surplus funds available to handle the situation is a wise policy. Having enough money in your bank account to cover your planned shopping spree, plus an extra amount if needed, reflects sound financial planning.
While the festive season may bring additional fees, it’s essential to remember that your regular monthly payments will remain unchanged. EMI will be automatically deducted on the due date, even during the holiday season. Ensure you keep enough funds in your account to cover your regular payments. The additional expenses for Diwali should not impact your monthly budget. This financial discipline is crucial for effective budgeting and managing your finances during the festive season.
Festivities and celebrations can likely deplete your budget. Using your credit card to cover excess expenses is a viable option. Pay off your credit dues beforehand and keep the available credit limit for last-minute expenses. If you have pending dues on your card, additional costs will accrue a finance charge of 36% to 40%, and overusing credit can lead to a debt trap.
A CIBIL score of 750 points and above is required for an ICICI bank credit card or a Personal loan. Keeping a tab on your credit score is crucial to ensure you are eligible to apply for an online personal loan from HDFC Bank, as it helps ensure that funds are readily available to you if needed.
You can easily apply for an HDFC Bank personal loan online using the documents you have available. If you are employed by a company listed in HDFC Bank’s approved category and meet the eligibility criteria, you can receive the loan within 48 to 72 hours. The personal loan is offered at a reasonable interest rate and can be repaid in convenient instalments. It can be used for any personal needs, so go ahead and cover any shortfalls with a personal loan.
There are festivities in the air, and the upcoming month will bring reasons to take a break from work and enjoy the festival of lights with your loved ones, with the financial needs covered you can look forward to joyfull celebrations ahead!
