ADVICE ARTICLES

Our advice area contains general money-saving tips, facts on how products work and the answers to any frequently asked questions. These are not designed as personal financial advice but are there to give you an informed and useful look at money matters.

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When the planning starts for that special day in everyone's lives , There is always the worry and stress of how much strain it is going to put on your financial situation . Marriage loans are helping lots of people to ease this stress.
08 August 2015
Which Way To Pay
Marriage loans have been introduced to help prepare for the expense you will incur when celebration the most special day of everyone's life.
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As everyone wants that big day to be perfect , there is also a hefty cost that comes with it .
14 May 2015
Which Way To Pay
Marriage isn't a cheap affair that's why Marriage loans have proven so popular across India.
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Everyone want the best education , But financially this can be a worry
07 October 2014
Which Way To Pay
Getting the best education is the main priority in most people's lifetime.
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Is it important to compare personal loans before you apply for one?
03 April 2014
Which Way To Pay
With the increasing demand for personal loans over the last few years, there have never been so many providers in the market. But how do you know which company to choose?
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Things to consider when looking at which home insurance policy is suitable for you
18 February 2014
Which Way To Pay
Ensure you consider your options carefully before you take out a home insurance policy. Each policy will have terms and conditions which you must familiarise yourself with in case you need to make a claim.
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Has Christmas left you with a financial hangover? Will a personal loan help you get through to the end of the month?
21 January 2014
Which Way To Pay
Christmas is over and all you are left with is a large waist line, flu and massive debt. Read our personal loans guide for some tips on how to cope with Christmas debt.
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With Christmas on the horizon, is a credit card suitable for me?
20 December 2013
Which Way To Pay
Credit cards are a popular form of borrowing money and a safe way to shop online. With the excitement of Christmas on the horizon is it a good time to take out a credit card?
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Travel insurance Guide: Is there an alternative to travel insurance?
03 September 2013
Which Way To Pay
It is important to look into whether you actually need travel insurance before you travel, you might find there are alternatives out there
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How to get the best from your reward credit card
06 August 2013
Which Way To Pay
If you spend on your credit card regularly and are able to pay off your balance in full at the end of the month, a reward credit card could be for you.
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Why not leave money on one's current account?
03 July 2013
James Larkin
Money on the current account is safe but will not bring any, or just very little, interest. A current account is the account where one receives one's salary, where you put up direct debits and generally make payments. It is an account with which to move money around.
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Why does one need home insurance?
19 June 2013
Mark Maffia
Home insurance protects basically everything you have! Nobody can see into the future, and should anything happen which results in the loss of, or damage to your property, a house-and-home contents insurance will not protect you against the loss of sentimental value – but it does protect you against financial damage if anything happens
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The pros and cons of taking out a personal loan
06 June 2013
Mark Maffia
The idea of buying something now and paying for it later is always very tempting. Imagine you can have the object of your desire right away and don't have to save up for it first. Imagine you can go to your dream holiday right now and don't have to wait until you have enough money. Imagine you never have to wait but can have everything you want right now.
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Car insurance – what does it cover?
29 May 2013
Mark Maffia
Car insurance policies protect against a variety of risks when driving a car. They are in fact a combination of different insurances
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Life insurance and why one should have it
22 May 2013
James Larkin
With a life insurance you protect your loved ones. Nobody who is the main earner of a family should do without it.
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Why do I need a credit card?
13 May 2013
James Larkin
Credit cards make life not just simpler but give financial flexibility.
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Travel insurance – worth taking out before going abroad
06 May 2013
Mark Maffia
Holidays are the best weeks in the whole year and much preparation goes into it. Money has often been saved up for months to ensure happy and relaxed weeks with new impressions and restful days of recreation. This is why one should not miss adding extra peace of mind by taking out travel insurance
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Money transfer services – the easiest and fastest method to send money abroad
30 April 2013
Mark Maffia
Everybody who needs to send smaller amounts of money into another country should use the services of the money transfer company.
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What is the use of two different bank accounts?
24 April 2013
Mark Maffia
Everybody needs a current account to be able to receive one’s salary and to manage one's finances. A current account is for moving money around
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A marriage loan to finance your dream wedding
18 April 2013
Mark Maffia
Everybody who is about to get married will look into the different possibilities as to how to celebrate the wedding. To make the great day a memorable event, long planning is necessary and, depending on how many guests one wants to invite, on what kind of ceremony, party, location, entertainment, food, decoration one would like – and last but not least there is a wedding dress to think about.
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What are reward credit cards?
09 April 2013
Mark Maffia
When applying for a credit card, it is worth choosing a reward credit card. A reward credit card allows you to spend money and earn rewards at the same time. Different reward programs are available. Depending on your interests and lifestyle you can choose a reward credit card, which suits you best.
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Before taking out a loan look at the different options available
04 April 2013
Mark Maffia
A huge variety of loans is available which doesn't always make it easy to decide which one is the most suitable. A secured loan is probably the most popular loan because it allows you to borrow a large amount of money over a period of time. Usually the loan is secured against property, but also gold and other assets can be used.
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Travel insurance – essential protection when travelling abroad
26 March 2013
James Larkin
If you're planning a holiday or business journey outside India, a travel insurance will protect you financially if anything happens when you are away
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How to find the right savings account
07 March 2013
Mark Maffia
A savings account is the best place to keep your money safe and increase its amount.
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Do I need home insurance?
31 January 2013
Which Way To Pay
Everybody who ever had the misfortune of fire, flooding or burglary in one's own home knows well how painful the experience can be, to lose part of or even everything one owns. The trauma of such an event is unimaginable
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Take Advantage Of The Benefits Of A Money Transfer Service
02 October 2012 16:00
Which Way to Pay
Many people in India are utilising the benefits of online money transfer services to send money abroad, to friends, family or staff, because you can be offered some of the best exchange rates available and there are a wide range of transfer methods to choose from.
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Pros And Cons Of Having A Credit Card
23 August 2012 14:30
Which Way to Pay
Being able to simple swipe a card and purchase anything you like makes credit cards extremely easy and convenient. However this ease and convenience comes with its pros and cons.
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Pros and Cons Of Credit Cards
01 August 2012 22:30
Phoebe Robinson
As easy as it is swiping your plastic, you must remember that there are disadvantages where there are advantages. If you are financially organised and you pay your bills on time each month and do not carry over a balance a credit card can be convenient.
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Save Your Money With A Savings Account
25 July 2012 18:00
Phoebe Robinson
A savings account is probably the first account you will ever have. Savings accounts allow you to keep your money in a safe place while it earns a small amount of interest each month.
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Can You Qualify For A Personal Loan?
18 July 2012 17:00
Phoebe Robinson
Personal loans are small loans that allow you to borrow money and use it at your discretion. Personal loans often have higher interest rates than long term loans such as mortgages, but they have lower interest rates than credit cards.


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Why You Need Life Insurance
11 July 2012 22:00
Lucy Williams
Life insurance is important so that you can continue to live your life happily and without worry. Life insurance guarantees that after your death your dependants (your family, spouse and children) are financially stable.
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Pros And Cons Of Travel Insurance
27 June 2012 21:30
Phoebe Robinson
Many people would never even think about leaving home to go on holiday without travel insurance, whilst others don’t really think about it and take the risk. When making the decision it is important to know the pros and the cons.


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Is A Personal Loan For You?
25 June 2012
Pheobe Robinson
If you need money quickly and do not want the hassle of loads of paper work then maybe a personal loan is just what you need. If you need cash but don’t want to disclose your reason then a personal loan is for you.
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How To Find The Best Car Insurance At The Best Price
14 June 2012 16:00
Victoria Wedderburn
When shopping for car insurance the main aim is to find quality car insurance on a budget. With this in mind you should take the time to understand what you want from your car insurance, so you get the right cover at the right price.
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Savings Accounts - How To Choose The One For You
30 May 2012 16:00
Crage Campbell
When looking for a savings account you need to find an account that suits you and will get the most out of your money.
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Looking For The Best Exchange Rates?
23 May 2012 17:00
Mark Maffia
Most people would go to their banks first when looking for currency exchange services. However, this will not be cost effect because foreign exchange brokers can offer you far superior exchange rates.
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The Pros And Cons Of Reward Credit Cards
16 May 2012 16:00
Victoria Wedderburn
A rewards credit card offers a variety or rewards which could be cashback programmes, airmiles and a variety of other offers and discounts on things like hotel stays and clothing. A reward credit card can therefore help your money go further.
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What Do You Need To Know About Credit Cards?
08 May 2012 16:30
Crage Campbell
Credit cards have lots of benefits and they are quickly becoming one of the most popular financial products across India. Not only are they convenient and easy to use, many credit cards automatically insure your online purchases.
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Is Your Home Insured?
27 April 2012 17:30
Crage Campbell
Your home is probably the most valuable thing you own and making sure is safe and secure should be at the top of every homeowners list, after all it’s where we eat, sleep, raise our families and come to relax at the end of a hard day at work.
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Important Information On Loans
18 April 2012 18:00
Mark Maffia
Thousands of people across India will consider borrowing money at some point for any number of reasons such as paying for a house or car, for starting up a business or for the right education. Loans can help people make purchases when they do not have the money to do so themselves. When
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Going to University? – Take Out An Education Loan
10 April 2012 21:00
Mark Maffia
A good education can be one the greatest asset you can have. If all that stands between you and the education you want is cash then get an education loan.
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You Could Be Rewarded For Spending!
02 April 2012 18:00
Victoria Wedderburn
Many of us have credit cards today and are aware of competitive rates, annual fees and other features. Many people however do not realise the extent of the rewards they could potentially reap from a reward credit card.
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Can’t Afford The Car You Want?
27 March 2012 15:00
Mark Maffia
Car’s can be expensive purchases – after property they are probably the most expensive thing that people own. If you need some extra help financing the car that you want you could consider a car loan.
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Ensure You Home Is Properly Protected With Home Insurance
19 March 2012 20:00
Florence Fullalove
Your home is probably the most expensive thing that you own. With this in mind you should make sure that it is safe and properly protected and you can do this with home insurance.
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Looking For Currency Exchange Services For Your Business?
08 March 2012 17:30
Jack Stupple
Your company or business can benefit from using a foreign exchange broker that specialises in working with corporate clients.
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How To Choose a Current Account
01 March 2012
Which Way to Pay
In India a current account is a popular account for businesses. You can use a current account for your businesses’ daily transactions, they allow you to make deposits and transfer money to other accounts.
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Should You Take Out Life Insurance?
23 February 2012
Which Way to Pay
Insuring your life may seem strange but if you have anyone who is financially dependent on you then you should really consider taking out life insurance.
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How To Save For the Future With A Savings Account
14 February 2012
Which Way to Pay
A savings account is a safe and easy way of growing your personal fortune over tim
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Do You Need Reliable And Affordable Health Insurance?
02 February 2012
Which Way to Pay
Health insurance policies allow you to focus on getting better whilst your expenses are dealt with and your treatment is being taken care of.
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Why Get Travel Insurance?
24 January 2012
Which Way to Pay
With travel insurance you can travel anywhere in the world and have peace of mind that if something did go wrong then you are covered.
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Looking for a Two-Wheeler Loan?
06 January 2012
Which Way to Pay
Two-wheelers are fast becoming a desired mode of transport in India because they are faster and more convenient than other vehicles. If you are finding it difficult to afford a two wheeler you may require financial aid.
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Protect Against Credit Card Fraud Today
13 December 2011
Which Way to Pay
Purchasing goods online can be a source of credit card fraud; however, simple measures and vigilance can keep you away from trouble.


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How to Protect Against Credit Card Fraud
09 December 2011
Which Way to Pay
Purchasing goods online can be a source of credit card fraud; however, simple measures and vigilance can keep you away from trouble.


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Want to Save Money But Don’t Know Where to Start?
05 December 2011
Which Way to Pay
Saving money is never easy, but if you are serious about spending less, then a spending plan is a must. It won’t happen on its own so to save money, you must have a plan in place. The most effective way to save is to keep a note of all your outgoings.
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How to Cut Down on Your Fuel Bills
29 November 2011
Which Way to Pay
The price of petrol in India is among the highest in the world. With the prices constantly being hiked, it’s easy to spend a lot of money just running your vehicles. Follow these tips to start saving today!

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You Could be Rewarded for Spending!
25 November 2011
Which Way to Pay
Many of have credit cards today and are aware of competitive rates, annual fees and other features. Many people however do not realise the extent of the rewards they could potentially reap from a reward credit card.
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Do You Need a Loan against Gold?
22 November 2011
Which Way to Pay
One of the only silver linings of the current global financial slump recently has been the increase in the value of gold. A loan against gold is a quick and simple way to borrow money.
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How a Financial Diary Could Save You Money!
16 November 2011
Which Way to Pay
We all ideally want to save money. But with prices going up, it’s getting more and more difficult to save. If you are keen to add to your saving account, then try keeping a financial diary for a month or two. Write down everything you spend money on, in cash, on cards, direct debits and bill payments.
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The Benefits of Using a Credit Card!
09 November 2011
Which Way to Pay
Credit cards are a great way of making sure your finances run smoothly and you are left in the lurch without any money. There are however various additional benefits you may not be aware of.


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Need a Two Wheeler Loan?
01 November 2011
Which Way to Pay
Two wheelers, such as motorcycles and scooters, are very popular throughout India, not just because they are more affordable but also because they are often more practical in urban areas than cars.
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Some Great Tips for Saving on Your Gasoline Bills
26 October 2011
Which Way to Pay
The price of fuel in India is among the highest of any country in the world. If you use your car often, it can be difficult to see where you can cut back on costs. There are various things you can do however to reduce your outgoings on gasoline. Here are some simple tips that could save you some real money!
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How to Save Money on Food
20 October 2011
Which Way to Pay
With inflation on food now in double figures, it is getting more and more difficult to feed a family on a budget. The high prices can leave you feeling helpless, as spending money on food is a necessity. Although prices are elevated, you can still feed yourself and your family well and save some money. Here are some simple tips to help you do this.
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Spending a Lot of Money but Want to Save?
13 October 2011
Which Way to Pay
With the price of fuel on the rise and the price of living also increasing, it can easily feel like all your money is just washing away. With complicated finances, credit cards, bills, contracts and other outgoings, it can be hard to keep track of your money and where to save if you want to.
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What is an NRI Loan?
10 October 2011
Which Way to Pay
An NRI loan is a loan for non-resident Indians, and therefore is only available to Indian non-residents who need to borrow money. The amount you can borrow changes from case to case, the company will assess your application and offer you a loan amount based on your capacity to pay it back.
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The Importance of Travel Insurance!
04 October 2011
Which Way to Pay
If you travel often, or are going on a single trip, it’s important to get travel insurance. There are many different insurance policies across India, so whether you are visiting family within the country or going abroad for business, there are packages to suit every occasion.
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Keep a Financial Diary and Start Saving Money Today
28 September 2011
Which Way to Pay
The cost of living is going up and up. It can all feel a bit overwhelming when your paycheque gets spent every month without saving any money and you’re not quite sure where it’s all gone! A great place to start is to keep a financial diary.
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Tips to Save Money on Fuel
23 September 2011
Which Way to Pay
The price of petrol in India is among the highest in the world at the moment, with the cost being increased 12 times in 15 months. It may seem like an unavoidable expense, but there are things you can do to reduce your outgoings on fuel without much effort.
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Why get a Credit Card?
20 September 2011
Which Way to Pay
There is a reason why millions of people have credit cards. They are an extremely convenient and competitive way to borrow money. The cards allow you a certain limit of credit which you can then use to buy items, pay bills or get cash from ATMs. You then earn a competitive rate of interest on the amount you have borrowed and pay back what you can each month.
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What are the Benefits of a Reward Credit Card?
14 September 2011
Which Way to Pay
If you already have a normal credit card, you know how useful it can be. With benefits such as global acceptance, insurance when shopping online and competitive rates, credit cards are a great way to borrow money. A reward credit card lets you collect reward points as you spend. The more you use your credit card, the more reward points you earn.
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Tell me about... Life Insurance Policies
08 September 2011
Which Way to Pay
Have you got dependents, a mortgage... What about life insurance? It’s not a conversation anyone wants to have, but the importance of life insurance isn’t a something to be avoided. If you’re not properly covered you’re placing your dependents at significant risk - the last thing needed in the event of your death or serious injury!
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What are NRI Loans?
07 September 2011
Which Way to Pay
NRI stands for “Non Resident Indians” and as such NRI loans are only open to Indian non-residents who need to borrow money for significant purchases. The monetary amount associated with NRI loans is variable because your application is individually considered and therefore your payment capacity will dictate the loan amount.
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Save Money on Fuel
06 September 2011
Which Way to Pay
With petrol/diesel prices continuing to creep up by the litre, it’s never been more important to save on fuel. However using your vehicle is often unavoidable, so here are some tips aside from cycling and walking to help you save on gas. Not only will you save money, but you'll be a safer driver through the proper maintenance of your vehicle
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Bad Credit History? Get a Fast and Easy Loan Against Gold
05 September 2011
Which Way to Pay
The price of gold has increased by 500% over the last ten years and as such it is valuable collateral which could secure you a valuable cash injection from specialist lenders.
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Foreign Exchange Trading – A Tough, but Lucrative Market
02 September 2011
Which Way to Pay
These days investors can opt to invest in trading foreign exchange as a more convenient way to make money than traditional investment types; after all the method of foreign exchange trading is set apart from that of trading stocks, mutual funds or bonds. Earning money in foreign exchange happens through buying and selling of currencies.
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Save Money on Your Water Bill
01 September 2011
Which Way to Pay
Saving money on your household expenses will ease pressure of all homeowners amidst the turbulent financial climate of present. So, instead of worrying about your finances, make some small changes today to help you save. One place that you can save money easily is on your water bill.
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Quick Loan for a Fast Bike
31 August 2011
Which Way to Pay
Two-wheeler vehicles are the transport of choice for many Indians, especially given their practicality within the city centres. Often a two wheeler can get you to your destination quicker, and with faster and better models coming out all the time a two-wheeler loan could be an attractive option if you can’t afford to pay for a new motorcycle in one go!
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Get the Loan you Need Today!
30 August 2011
Which Way to Pay
Whatever you need a bit of extra cash for, there is loan out there to give it to you. If you research the market properly, you can get a really competitive loan to get you what you want. Whether it’s a home loan, car loan, education loan or a business loan, there are lenders out there.

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Does Your Business Need a Cash Injection?
25 August 2011
Which Way to Pay
If your business needs cash boost you may want to consider taking out a business loan to ensure you have enough capital to realise your aspirations.
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Benefit from Falling Interest Rates
24 August 2011
Which Way to Pay
Over the last 15months, rising interest rates have dominated financial markets. The Reserve Bank of India (RBI), in its policy review meeting on July 26, raised the key policy rates (repo and reverse repo rates) by 50 basis points each with immediate effect in an attempt to tame inflation. If rates drop, you can benefit and here’s how:
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Buy Food Sensibly!
23 August 2011
Which Way to Pay
If you have a big family, you know how much you can spend on food. There are certain things you can do however to cut down on food costs without depriving your family. The easiest way to do this is to plan your meals for the week.
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Keep a Note of Your Outgoings and Save Money
22 August 2011
Which Way to Pay
With the threat of another global financial crisis, it has never been more important to save whatever money you can. If you are keep to plug the holes in your budget but can’t seem to pinpoint where it’s all going, then why not keep a financial diary for a couple of months.
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Get a Reward Credit Card
19 August 2011
Which Way to Pay
Believe it or not, you can get rewards without changing your spending habits. A rewards credit card offers a scheme whereby you can earn points as you spend which are redeemable for rewards like fuel. The more you spend, the more reward points you will collect.
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Savings Accounts to Help You Save!
18 August 2011
Which Way to Pay
We all want to be saving money, especially with the global financial markets on the brink of what could be a double-dip recession. Whatever the reason for you saving, there are accounts out there to suit your situation. You can even open savings accounts for other people, so saving money for your children or other family members has never been easier.
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What Kinds of Loans are Available to Me?
17 August 2011
Which Way to Pay
There are lots of different kinds of loans available throughout India. Whether the loan is for a specific purpose, or is secured against a specific asset, it can get confusing as to which loan is best suited to your circumstances.
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Which Credit Card is Right For Me?
15 August 2011
Which Way to Pay
There are lots of different credit cards to choose from, and sometimes it can be confusing when picking the right one for you. From varying charges, interest rates and even reward credit cards, there are a host of options out there. A credit card can provide you with the capital to purchase more expensive items and pay the balance back over a period of time.
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Be Careful with Your Money
16 August 2011
Which Way to Pay
It is as important now to be careful with your money as it was during the recession of 2008. As the threat of a double-dip recession become more real every day, all of us are feeling the pinch. There are things you can do to save money though, no matter how much or little you have. By keeping a diary of all your outgoings, you can identify where your money goes and plug the holes.
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Tracking Your Income Tax Refund
11 August 2011
Which Way to Pay
It can be difficult to track your income tax refund if you’re not aware of the system, at Which Way to Pay India we have compiled a basic know-how to help guide you through.
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Why Use Online Money Transfer Services?
10 August 2011
Which Way to Pay
Most people are cottoning on to benefits of using online money transfer services to send money instantly whilst achieving the best exchange rates available.
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Education Loans – A Worthwhile Investment!
09 August 2011
Which Way to Pay
If you have grand plans for your children and finances are tight, it’s worthwhile investing in an education loan to maximise your child’s potential and future prospects.
Read More >>
Overspending...? Keep a Financial Diary
08 August 2011
Which Way to Pay
If you are trying to keep track of your personal expenses, but don’t know where to start try a financial diary! Keeping such a diary is a simple and easy way to visualise your total spending. Making a note of every last paise could ultimately help you manage your money better, because you can wean out those costly and expensive bad habits!
Read More >>
Why Get Health Insurance?
04 August 2011
Which Way to Pay
Medical expenses can be sky high these days, with even small treatments and doctor’s appointments costing a lot of money. However, health insurance is affordable and for that reason a necessity in protecting yourself against unforeseen calamities aside from essential check-ups should your policy cover it.

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How to Protect Against Credit Card Fraud
02 August 2011
Which Way to Pay
Purchasing goods online can be a source of credit card fraud; however, simple measures and vigilance can keep you away from trouble.
Read More >>
Welcome to Which Way To Pay India
27 April 2011
Which Way To Pay
Which Way To Pay is an international, independent, financial comparison website and review service.
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