Personal Financial Management & Basics of Share Market Investment

Financial freedom means having enough income, savings, and investments to live the life you want—without being stressed about money. In this session, we’ll explore what financial freedom really means for migrant workers and everyday people, why it's important, and how to assess your current financial status. You’ll also learn how to set realistic, step-by-step goals to move from survival mode to financial independence.

Money is more than cash—it's a tool of exchange, a store of value, and a key to opportunity. This lesson explains the concept of money in simple terms, including how it's created, how banks and digital payments work, and how inflation affects your savings. Understanding the fundamentals of money helps you make better financial decisions in daily life and avoid common traps.

Your time is your most valuable asset. In this module, we teach you how to calculate the financial value of your time and use that awareness to make smarter choices. Should you do a task yourself or delegate it? Is an extra job worth your weekend time? These questions are easier to answer once you understand how time and money are deeply connected.

There are countless ways to earn money in today's world, especially with the internet and new technology. This session covers traditional jobs, side gigs, freelancing, small businesses, digital platforms, and income opportunities available to migrant workers. You'll also explore which methods suit your personality, skillset, and current location.

You don't have to quit your job to start earning more. This lesson focuses on practical and manageable side-income strategies, including weekend work, online freelancing, affiliate marketing, content creation, reselling, and more. You'll learn how to balance extra income streams without burning out, and how to turn your skills or hobbies into cash.

A strong resume (CV) can open doors to better opportunities. In this session, you'll learn how to write a professional resume, highlight your experience and strengths, and avoid common mistakes. We’ll also teach modern job search strategies, networking tips, and how to use platforms like LinkedIn and job portals to stand out to employers.

Dreaming of becoming your own boss? This module will guide you through the basics of starting a small business with low investment. Learn how to identify a profitable idea, register your business, calculate basic costs, handle simple marketing, and start selling—whether you're in Nepal or working abroad.

If you're running a business, don’t let it run you. Learn how to set up systems so your business can work without you constantly being there. We’ll discuss automation tools, documentation, outsourcing tasks, and how to build a team. This way, you can grow your business while still having time for your job, family, or rest.

Saving is important—but investing makes your money grow. This session introduces you to different investment options like fixed deposits, gold, real estate, mutual funds, the stock market, and SIP (Systematic Investment Plans). Learn the basics of risk, return, and how to choose the right investment based on your income, goals, and financial knowledge.

Most people don’t know where their money goes—and that’s dangerous. Expense tracking helps you understand your spending patterns, cut unnecessary costs, and make room for saving and investing. In this lesson, you’ll discover the power of simply writing down what you spend—and how this small habit can lead to big financial changes.

In this practical session, we’ll introduce simple apps and tools to track your income and expenses. Whether you prefer mobile apps like Bidesh App, Excel spreadsheets, or pen and paper, we’ll show you how to make it easy, quick, and consistent. You'll also get a downloadable template to start immediately.

A budget is your monthly financial roadmap. Learn how to create a personalized budget that includes all your income, expenses, savings, and goals. We’ll teach you budgeting methods like the 50/30/20 rule and help you stick to a plan that gives you control over your money instead of always wondering where it went.

Saving money is not just about cutting costs—it’s about being smart with what you earn. In this final topic, you’ll learn tested savings formulas used by financially successful people. Whether you’re earning a small or large income, these methods will help you consistently save for emergencies, future plans, and long-term dreams.

In this session, you'll learn everything you need to know about SIP—Systematic Investment Plan—a smart and simple way to invest regularly and grow your wealth over time. We break down what SIP really means, how it works, and why it’s an ideal choice even if you’re starting with a small monthly amount.

You’ll also discover how to start a SIP in Nepal step-by-step, including:

Choosing the right mutual fund provider

Opening a Demat and Meroshare account

Linking your bank account for auto-debit

Tracking your investment growth with confidence

Whether you're a migrant worker, student, or beginner investor, this module will help you take the first step toward long-term financial stability and independence in Nepal.

📈 SIP in Nepal – Complete Analysis!

In this video, I dive deep into the world of SIPs (Systematic Investment Plans) in Nepal 🇳🇵 and compare them with India’s SIP systems 🇮🇳.

👉 के SIP नेपालमा सुरक्षित छ?
👉 नेपालका कुन SIP ले राम्रो रिटर्न दिएका छन्?
👉 भारत र नेपालको SIP मा के फरक छ?
👉 यो दीर्घकालीन लगानीका लागि राम्रो योजना हो कि खाली हाइप?

From return calculation to risk analysis, I break it down in simple Nepali so that migrant workers and new investors can understand and decide better.

✅ SIP Return Data of:

Sanima Equity Fund

Siddhartha Equity Oriented Scheme

NIC Asia Dynamic Fund

Nabil Balanced Fund

📌 Also included:

20 वर्षपछि कति पैसा हुन सक्छ?

India SIP vs Nepal SIP: Key differences

My personal opinion and suggestions

In this session, you’ll learn what shares actually represent—ownership in a company—and how they allow individuals to become part-owners of large businesses. We’ll also explain the different types of companies in Nepal, including private limited, public limited, and government-owned enterprises, and which of them are eligible to issue shares to the public.

Shares aren’t all the same. This lesson explains the two main categories—common shares and preference shares—with detailed insights on voting rights, dividends, capital gains, and risk factors. Understanding these types will help you make smarter investment choices based on your risk tolerance and goals.

Here, you’ll explore the two major types of share markets: the primary market, where IPOs are issued, and the secondary market, where shares are bought and sold among investors. You'll also learn how Initial Public Offerings (IPOs) work in Nepal, how companies get listed, and how investors like you can participate in them.

This bilingual module will guide you through all the documents needed to invest in the share market, including Demat account, Meroshare login, bank account, and citizenship certificate. It also explains the full IPO application process step-by-step, helping first-time investors navigate the system with ease.

Learn how to navigate Nepal’s online share investment platform—MeroShare—from logging in, checking share portfolios, and applying for IPOs. You'll get a complete walkthrough so that you can invest online from anywhere, even while living abroad.

Many Nepali migrant workers want to invest in Nepal through remittance-based IPOs. This session teaches you how to add or change your linked bank account in MeroShare, so you can apply for special IPO schemes that are reserved for foreign income earners.

Many people apply for IPOs but don’t know what happens next. In this session, we explore the full process after your IPO application is submitted through MeroShare. You'll learn how shares are allotted, how to check if you've been allotted shares, and what to do if you are rejected or refunded.

We’ll also dive deeper into MeroShare’s features—such as viewing your share portfolio, checking your transaction history, understanding the ASBA status, and learning how to monitor your investments regularly. This session is perfect for investors who want to go beyond just applying for IPOs and take control of their full investment journey.

Nothing is more frustrating than applying for an IPO and getting rejected. This session highlights the most common reasons for rejection—including inactive bank accounts, KYC issues, incorrect details, or duplicate applications—and how to prevent such errors.

After receiving IPO shares, many investors wonder what’s next. In this session, you’ll learn when it's the right time to sell your shares, how to transfer them to a broker, and how to place a sell order. This will help you maximize profit or exit safely based on market conditions.

If you forget your password or get locked out of your MeroShare account, don’t worry! This quick guide shows you exactly how to reset your login using your email, phone number, or by contacting the concerned Depository Participant (DP).

Mutual funds are a smart and low-risk way to invest without needing to track the market daily. This lesson introduces mutual funds in simple terms—explaining how fund managers invest your money, how returns are distributed, and the benefits of long-term investing through vehicles like Nagarik Lagani Kosh.

Debentures are fixed-income investments that offer guaranteed interest over a set period. In this session, you'll learn how debentures differ from shares, why they are considered safer, and how you can participate in debenture offerings in Nepal.

This module provides a curated list of trustworthy websites and tools—such as SEBON, Nepse, CDSC, and IPO notice boards—that keep you updated on new IPO openings, dividend announcements, mutual fund launches, and share prices.

In this session, you'll explore different ways to invest in Nepal’s share market, including IPOs, secondary market trading, mutual funds, SIPs, and long-term dividend-focused portfolios. You’ll learn how to align your investment method with your income, risk level, and future goals.

The secondary market can be risky if entered without preparation. This final topic helps you understand when to enter the market, how to read market signals, and how to manage risk and timing if you want to trade or hold stocks after the IPO stage.