No textbook answers. No ChatGPT filler. Just things we've actually figured out the hard way — about GST, taxes, loans, and running a freelance career in India.
The first time a client asked me for a GST invoice, I spent 30 minutes reformatting a random Word document I found on some forum. It was terrible. This is the guide I wish I had that day.
The first time a client asked me for a GST invoice, I called my dad. He didn't know either. Then I called an accountant friend who charged me ₹500 for a 15-minute call. This post is that call, except free.
My colleague Priya had been paying more tax than she needed to for three years straight. She lost ₹18,000/year because nobody sat her down and actually ran the numbers. This is me doing that for you.
Month 18 of my home loan, I finally sat down and properly looked at my amortization schedule. I went quiet for a long time. Of ₹28,400 I paid each month, only ₹8,000 went toward what I actually owed.
