Srinagar, July 29 -- Salaries are spent within days. Loans are taken to meet ceremonial obligations. Credit cards ease momentary pressure but silently pile on future burdens.

And when medical emergencies or school fees arrive, the panic sets in.

What's missing here is a deeper understanding of how to manage what we already have.

Financial literacy, the simple ability to budget, save, and plan, has rarely been talked about in households, classrooms, or community gatherings in Kashmir.

But maybe now, it should be.

Living Beyond Means

Kashmir's economy is caught between tradition and transition. While some families rely on government salaries or orchard incomes, others have unstable earnings from tourism or daily wage work. The flow of...