Had there been no demonetisation, we would have started discussing how to save income tax by now. But one cannot argue that demonetisation has marred all other discussions or debates, and rightfully so. But since we are at the trail-end of the process, I think it is time to discuss something else. This is the time of the year when you wind up the year and become ready to welcome another year. This is the time you should go for your yearly financial health check-up and understand where you stand, financially.
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