As 2026 approaches, India Today offers five accessible personal finance tips for improved money management. Key advice includes creating a simple, flexible budget focusing on essentials, savings, and spending; building an emergency fund covering three to six months of expenses for unexpected costs; and prioritizing the repayment of high-interest debts like credit cards to avoid prolonged interest cycles. The article also emphasizes the importance of consistent, small-amount investing for long-term wealth building, advising against chasing quick returns and encouraging patience.