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Women's Weekly: Show me the money! - Views on News from Equitymaster
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  • Jun 17, 2009

    Women's Weekly: Show me the money!

    May I have your attention please?
    The days of women simply running a house or toiling over the stove are over. The woman of the 21st century is revered for her greatest strength - multitasking! She cooks, cleans, runs the house, looks after the kids, and that is just the tip of the domestic iceberg! Look at how far she has moved professionally; from running corporate platforms to heading political parties, one should never underestimate the strength of a woman. Yet, what is it that we do for ourselves, at the end of the day, I ask you? What have we done in quantitative measures that make us sit up and say, "The world is my oyster"? Nothing!

    Being a working professional myself I'll let you in on what I do to brighten up my day, everyday - retail therapy! But am I on the right track in the long term? No way! Being young and carefree has its disadvantages - i.e. no concept of affairs of long term planning. And now that I am reaching what others of my generation call being an 'adult', I realize that my finances are in a state of disarray, similar to that of the American economy at present. My monthly cash flow register runs on a constant debit balance with higher deficit financing and lower income ratio.

    Money matters
    However now I consider myself old and wise, and am learning one of life's most important lessons - investing money! Securing your today to provide you with a better tomorrow sounds like something out of an old insurance advert, but maybe those guys had it right all along. I remember sitting and hearing the old aunties marvel at my shopping sprees thanks to my credit cards which made me happier than my paycheck most often, with the constant reminder of "in our time it wasn't that easy", and brushing off their words as prattle, never thinking I would be wishing I had saved, instead of spent!

    But the times they are a-changing! There was a time women could not vote, but thanks to the suffragette movement, there are women voters and women in politics the world over. Similarly there was a time women did not 'work' in the professional arena - the man remained the breadwinner- but with the Second World War sending most of their men out to the battlefield, the task of 'manual work' fell onto the capable shoulders of women once again. Now several large companies are headed by women.

    The theory of money
    With the global scenario being in a mess quite simply put, we do tend to feel the adrenaline rush as we see signs of 'Sale' at our favorite department stores. However I ask you, are we not most often penny wise, but pound foolish? We may scrimp and bargain over the constantly fluctuating prices of onions and tomatoes, but do we know where, or rather how, to wisely invest our saved incomes for that inevitable rainy day?

    Yes! Over the next few weeks you shall be privy to a plethora of information, the kind you can sagely pass on to your children, the kind to get your neighbor jealous, or even the kind to help you save enough to buy that Bottega bag worth thousands you've had your eye on. Whatever be your desire, we will guide you on how to make something out of what you think is nothing. After all, every drop in the ocean counts!

    The best way to start understanding the concepts are by expanding your resources, reading about the goings on around the world. Just as we browse through the international fashion pages to keep ourselves abreast of the latest trends, similarly it's always helpful to know what's happening in the world of finance before you put down your money. Build your knowledge pool about investments by reading the latest reports as suggested in The 5 Minute WrapUp (a free resource) and build your own box full of hidden nuggets of wisdom!

    Over the next few months we plan to cover a range of issues that are important to women and offer solutions for the same. If there is anything in particular that you would like us to cover, write in to us!



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    4 Responses to "Women's Weekly: Show me the money!"


    Jun 26, 2009

    Being a Women's weekly, meant for both career women as well as house queens, showing them how to prepare monthly/annual house budgets & improving savings for investments would be a good idea. In this context, some budget line items are recurring monthly whereas some are quarterly (school fees, annual (birthdays at home & friends, wedding anniversaries, festivals)& some are unpredictable (like sickness of siblings or other dependents). Managing home budgets is key to savings & investments - this is what has to be impressed upon before approaching 'investing' itself.



    Jun 19, 2009

    Women Empowerment – Women, whom I believe is the backbone of every family needs to be empowered with education. I strongly believe in the statement ‘A man if educated might benefit only himself but a women if educated will benefit the entire family’. A educated mother will promote education for the children & thus, If more and more Indian families are educated, a basic understanding of rights and a matured understanding level can be developed into the future generations. Any section of the society that claims itself as minority/backward/poor classes will see the root-cause of the problem as lack of proper primary education among women. Women empowerment should not only be a provision for getting educated women on the top of the government panel or placing them on the chairs in the corporate ladder thereby involving them in making critical decisions but, also allowing women from minority/backward/poor classes to showcase their rights. However, as a control factor, a uni-sexual panel needs to be also created to ensure no man/woman is allowed to misuse their rights. Opportunities need to be given to every Indian woman. No holy books in this world would ever state that women should not be educated or should be betrayed from self-development. Hence, economic development involving women is possible only with education. Sorry, if I have written too much but I had to emphasize on the importance of primary education for women in India. Pls. concentrate on this area strongly in your future articles.


    Gita Madhu

    Jun 18, 2009

    A breath of fresh air! This is probably the first time I'm reading a "financial" anything or the other and it sure is a pleasant initiation. Looking forwards to more in this vein so that our womanly woes be not in vain.
    Wax and wane on, dear columnist and stress for the strees the nitty gritty of it all.



    Jun 17, 2009

    Women's weekly in financial matters! Starting with a gender based specialization in finance, I hope you will soon come out with further segregated publications meant for for OBCs, SC/ST, BVL (below poverty line), et al...

    Equitymaster requests your view! Post a comment on "Women's Weekly: Show me the money!". Click here!

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