Working women extending maternity leave face a critical financial challenge: household income drops while childcare and medical costs rise. The biggest mistake is assuming expenses will fall after leaving work. Financial experts recommend calculating your single-income reality by living on one salary for three to six months before taking the break. For a one-year absence, save twelve months of expenses with at least six months in liquid funds. For longer breaks, reduce EMIs beforehand and cut discretionary spending. Maintain personal savings and independent investments to preserve financial autonomy. Continue essential retirement contributions and insurance coverage. Women should avoid depending entirely on a spouse's income and keep their credit score active for future independence.
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