About Me

The Person Behind This Blog

“Hello! I am Anaru Khakhlary from Assam North-East. A few years ago, I had no savings, no idea about investing, and I was living paycheck to paycheck. This blog is everything I wish someone had told me back then.”

 

 

My Story — Why I Started This Blog

Let me be honest with you.

I was not always good with money. In fact, for a long time, I was terrible with it.

Growing up in Rural Assam, money was always tight in our family. Nobody ever taught us about savings, investments, or how to manage a salary. We just earned and spent. Month after month. Year after year. This story belongs not only to our family, but to every household in the neighborhoods.

When I started earning my first salary in government sector 2015, I followed the same traids of our family and neighborhoods. I would get my salary on the 1st of the month and by the 20th, I would be borrowing from friends. I had no emergency fund. No savings. Not a single rupee invested anywhere except ELSS fund to save tax.

I remember one particular month when my phone broke down, and I had to borrow ₹3,000 from a colleague just to repair it. That moment was deeply embarrassing for me. I thought to myself — I earn a salary every month. How am I still broke?

That was the moment I decided something had to change.

 

The Turning Point

I started reading everything I could find about personal finance. But most of it was written for people in Mumbai or Delhi — people with high salaries, expensive portfolios, and complicated investment strategies who are already wealthy

Nobody was writing for people like me or lower/middle class or people from smaller cities, who did not know the difference between a mutual fund and a fixed deposit. People who just wanted simple, honest advice in plain language.

So, I decided to become that person.

I started learning, applying, making mistakes, and learning again. Slowly things changed. Also my ELSS fund start to show live examples. I opened satarte to experiment in SIP with just ₹1000 in DSP midcap in 2019 and then, I was able to build my first emergency fund. I paid off a small loan. And for the first time in years, I felt in control of my money.

That feeling — of financial peace, even small financial peace — is something every Indian deserves to experience.

 

What This Blog Is About

This blog is my way of sharing everything I have learned — the hard way — so that you do not have to make the same mistakes I did.

Here you will find:

✔     Simple money-saving tips for people earning ₹10,000 to ₹60,000 per month

✔     Beginner-friendly investing guides explained in plain English, no jargon

✔     Honest reviews of apps like Groww, Zerodha, Paytm Money

✔     Tax saving tips that actually work for salaried employees

✔     Real budgeting examples with actual Indian rupee amounts

✔     Techniques to multiply income sources which are practically achievable

 

I am not a certified financial advisor. I am just a regular person from Guwahati who figured things out the hard way and wants to help others do it the easier way.

 

My Promise to You

Every article on this blog is written with one goal in mind — to make your financial life a little bit easier and a little bit better.

I will never recommend a product I do not believe in. I will never use complicated language when simple words will do. I will never pretend that saving money is easy when I know from personal experience that it is not.

What I will do is be honest, be consistent, and keep showing up with information that is useful for real Indians living real lives.

 

 

 

Thank you for being here.

Every person who reads this blog gives me the motivation to keep going.

If you ever have questions, suggestions, or just want to say hello — reach out via the Contact page. I read every message personally.

With love,