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Not having a contingency reserve of six months expenses 2. Not investing regularly in a diversified portfolio with the right asset mix as per the risk profile 3. Not creating a retirement corpus Not creating a sufficient corpus for children's education 4. Not protecting against risks to health and life by buying sufficient health and life insurance 5. Spending too much in impulsive purchases & not keeping avoidable debt under control and 6. Being too dependent on the male members of the family like husband and father to manage finances and being oblivious of the process is a fundamental flaw which should be avoided 7. Being financially literate is not a choice today but a necessity. Have an emergency fund The blunder of not having a six months contingency reserve in the bank account / liquid funds may have dire consequences in case of job loss or medical emergencies. Having a contingency reserve allows bouncing back in case of any eventualities. 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The same is true the women who are mothers. Their biggest prized possession is their child and there the most important goal is the child's education. Higher education costs are growing every year and regularly investing in equity mutual funds through the Systematic Investment Planning (SIP) route and increasing this amount regularly as incomes grow, after discussing the exact amounts needed with the financial the planner is a good solution to achieve this goal. Life is unpredictable, but managing finance well isn't. The importance of life insurance and health insurance is paramount. Empirically it is seen that women, in general, live longer than men, which increases the importance of health insurance. Expenses from activities like frequent dining out and impulsive shopping, using credit card borrowings, may lead to a ballooning of debts and then into a debt trap and realization often comes late, when actually one starts checking the interest charged on the credit card statements. It is important to stick to a monthly budget, and as soon as one receives the monthly income, transfer 20 to 30 % to a separate bank account for investments. Also, many mobile apps are now available, which help in tracking monthly expenses and also show the trends in spending. Expense control is a critical step in wealth creation. It is rightly said, "A rupee saved is a rupee earned". Inheriting money from father or sometimes after the unfortunate death of the spouse generally leads to the acquisition of a large chunk of money. The vulnerability at that moment is also high. It is advisable to protect and invest such corpus wisely, after taking advice from a legal counselor and a financial advisor or getting in touch with a wealth management firm, who provides a 360-degree service. In a nutshell, every woman should keep this mantra of HWH (health, wealth and happiness) in their mind while participating in the race of life. 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