In this emotionally powerful and deeply practical episode of Smart Credit Bytes – HER Finance HER Power, host Sangeeta Sharma uncovers what an emergency fund truly means for a woman beyond numbers.

This isn’t just a savings lesson.

It’s about:
• Financial safety• Emotional security• Dignity, choice, and independence• The confidence to walk away from what hurts• The peace to grow without fear

You’ll learn:
✔ Why women need an emergency fund more than anyone✔ exactly how much to save (with realistic formulas)✔ where to keep it for safety + liquidity✔ a step-by-step action plan to start building TODAY✔ what to do if you also have existing loans

This episode is gentle, confident, and fiercely supportive combining finance, psychology, resilience, and feminine power.
If you love smart conversations about money, independence, and self-worth, this is for you.

🎙 Hosted by Sangeeta Sharma
Women’s Finance Mentor • MSME Business & Credit Expert • Author

In this special Smart Credit HER Edition episode, host Sangeeta Sharma — Business & MSME Credit Advisor explains the financial wisdom every woman deserves but was never taught.

Across the complete podcast, you’ll learn how simple money clarity can transform not just your bank balance, but your confidence, choices, and future.
Whether you’re a homemaker, a working professional, or building a business this episode gives you the mindset, tools, and step-by-step action plan to take control.

• Why women MUST understand money
• Real stories of businesswomen who built multi-crore empires
• The HER 12-step financial blueprint
• Personal finance → Business finance connection
• How to start investing, insure smartly & build emergency funds
• Rewrite limiting money beliefs
• Practical action + reflection guidance

If you’ve ever felt finance is “not for you,” this episode will change that forever.
Because when women understand money, families grow stronger and businesses thrive.

• You deserve wealth.
• You deserve stability.
• You deserve peace.

Tune in and begin your journey toward financial power, confidence, and freedom.

This November, as part of Women’s Financial Empowerment Month, we explore what true financial confidence feels like — calm, clear, and completely yours.

In this heartfelt mentoring episode, Sangeeta Sharma shares The HER Finance Framework — five practical yet soulful habits every woman should master to turn awareness into empowerment:

1️⃣ Handle with Awareness – See where your money flows.
2️⃣ Earn with Intention – Value your time, skill, and effort.
3️⃣ Reserve for Security – Build peace funds, not panic funds.
4️⃣ Flow, Don’t Freeze – Let money move with mindfulness.
5️⃣ Educate Yourself – Learn something financial each week.

Real stories, reflective insights, and gentle action steps — designed to help women make finance feel feminine, fearless, and fulfilling.

Join Sangeeta on her WhatsApp Channel Smart Credit With Sangeeta for daily tips, and explore the Women & Finance video playlist on her YouTube channel Smart Credit with Sangeeta for deeper learning.

🎧 Listen. Reflect. Rise.