We are all experts on the economy when it comes to budget time. Much TV time print space is spent on covering the union budget and consumers tend to spend hours reading, watching discussing it. In my view, that time is better spent looking at your own budget. What you need Login to Internet banking and download your bank account’s transaction statement for the last year. Get your latest credit card statement. Also get any loan statements – car/bike, home or personal. Figure out exactly how much you earn Surprisingly, few people know exactly how much they earn. Over time, companies have become clever structuring salaries to show high “CTC”,…