Ever bought something you didn’t really need, and then spent the rest of the night explaining to yourself why it was totally worth it?
Most of us know the basics of money. Spend less than you earn. Save regularly. Be careful with debt. Knowing is often the easy part. The harder part happens on a tired Friday, on salary day, when friends are planning a trip, or when something suddenly feels like a reward.
Mind Money Life is about that gap: the space between what we know about money and what we actually do.
Why I started this
I am a Chartered Accountant, and numbers are my comfort zone. But one question kept following me: why can we know what makes sense with money, and still do something completely different?
That question sent me back to studying. I am now finishing a Master’s in Psychology, because I wanted to understand the person behind the number, not just the number.
Mind Money Life is where I share what I am learning — in plain words, one habit at a time.
Mind, Money, Life
I look at money through three lenses.
Mind — why we do what we do. Why we avoid opening the bank app after a big weekend. Why a friend’s new phone can suddenly make ours feel old. Why “I deserve this” can feel especially convincing at 11 pm. Here I use what I am learning in psychology to explore the feelings and patterns that may sit behind our money habits, without judgement.
Money — the everyday habits. Where your salary actually goes: the ₹200 spends that don’t feel like spending, the EMI that can hide the full cost of something, the difference between how salary day feels and how the end of the month feels. Here my CA training helps me look at an ordinary month calmly, line by line.
Life — habits, relationships and energy. The money conversation you keep postponing with your partner. The family request that is hard to refuse. Career choices that can shape what comes next. And sometimes it is not really about money at all: habits, relationships and tiredness shape the decisions we make. I write about these things as a son, a husband and a working professional in India.
What each article gives you
Each article starts with one everyday money moment and moves through five short steps: The Moment, What’s Going On, What’s Behind It, One Habit, and Your 7-Day Check. The idea is simple: understand the behaviour first, then try one small change and notice what happens.
The series is called Doctor of Finance. It is the name of the series, not a title.
My promise to you
- The focus is everyday money behaviour, one topic at a time.
- Everything here is education only. Nothing is tailored to your personal situation.
- I do not tell you what to buy, sell or where to put your money.
- This is a free, education-focused site. There are no paid services or products here.
- If I find an important mistake, or something has become outdated, I correct or update it and show the date.
Who writes this
Himanshu Gulati — a Chartered Accountant studying psychology. I write about the habits, feelings and relationships behind everyday money decisions.
Say hello
If an article made you pause, share your thoughts in the comments — comments are read before they appear. You can also find Mind Money Life on Instagram at @mind_money_life.