Ludger

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November 6, 2025 at 11:09 am in reply to: What parts of crypto activity are taxable and what’s not? #1513

Ludger
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Generally, crypto is taxable when you sell, trade, or earn it — basically anytime you make a profit or receive it as income. Just holding your crypto or transferring it between your own wallets isn’t taxable. Think of it like stocks, taxes only kick in when there’s a gain or you get paid in crypto

November 5, 2025 at 10:53 am in reply to: Best personal budgeting apps and how to use them #1512

Ludger
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I’ve personally found YNAB really helpful. It makes you more mindful of every rupee you spend. Once I linked my accounts and set spending goals, I finally started saving consistently. It takes a week or two to get used to, but it genuinely changes how you manage money.
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