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How to make a better financial plan for Dussehra 2022

Dussehra is the beginning of auspicious times and festivities in India. Festivals mean expenses, be it Dussehra or Diwali, and how you manage your finances during the festival season and for life matters.

Since the advent of COVID-19, we have been facing innumerable financial and social hiccups. Hopefully, this year the celebrations will regain their pre-Covid flavour and dazzle. Dussehra is actually the time when you could start a new, better financial plan for the future.

Keep reading to find out ways in which you could plan better for Dussehra 200 and beyond.

Ways to plan your finances:

Budget your Dussehra spending: Plan ahead of time. It becomes a bit difficult to manage expenses during festivals, but think about the future before you indulge in all the festival purchases. So, plan your purchase and set a budget so that you can control your spending.

Limit credit card spending: Dussehra is the time for offers, and very often we get carried away, resulting in a big and bulky credit card bill. Yes, the list might be long. But you should also be vigilant about your credit card utilization. Make sure you don’t overrun your credit utilization rate of 30% of your total utilization. A properly used credit utilization rate is beneficial not only now but in the future as well.

Festival promotions: Brands lure customers into buying products they don’t need with Dussehra sales and offers. Avoid the trap of impulsive buying and get what you actually need. Unplanned purchases will impact your long-term budget and finances.

Good time to invest: Festivals are the ideal time to start a new investment. Investing in gold and silver is considered auspicious, and these are good assets to add to your investment portfolio. You could also decide to invest in other investment tools and expand your portfolio.

The right time to apply for loans: Dussehra is the time when financial institutions and NBFCs introduce many attractive offers on personal and other small ticket loans. So, research and you might get a loan with low interest rates and flexible tenure.


With proper planning, you can have a happy Dussehra not only this year but for many years to come. Just remember to control your expenses and look for timely investments. We wish you a financially successful Dussehra.


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