Hi, I’m Shivlal
I simplify money for everyday people.

At apnaFinance24, I share practical saving tips, beginner-friendly investing guides, and money habits that actually work.

My Story

“My finance journey began with a simple question – ‘How can I manage money in a way that makes life secure and stress-free?’ In the beginning, I used to ignore savings and thought investing was too complicated. But slowly, I realized that financial planning is the most powerful tool that can turn our dreams into reality. I learned this the hard way—by making mistakes like spending without a budget, taking unnecessary loans, and delaying investments. These mistakes left me financially weak, but they also taught me that money management is not just for the rich, it’s essential for everyone.

Today, through apnaFinance24, I share those lessons in simple and easy language so that even a complete beginner can understand personal finance. My mission is to help you make small but smart money moves in your daily life—like building saving habits, starting investments, staying debt-free, and securing your future. If I could overcome financial mistakes and learn smart money management, then you can too. All it takes is the right knowledge and consistency—and that’s exactly what I aim to deliver to you.”

2+ years

Learning & Sharning

100+ posts

On money

1000+

readers

Explore Our Finance Topics

From saving to investing, explore every aspect of money management.

Saving Money

Daily saving tips for middle-class families.

Investing

Beginner to advanced investment strategies.

Loans & Credit

Smart ways to use loans & credit cards

Insurance

Health, life & term insurance explained.

Business Finance

Finance tips for entrepreneurs & small businesses.

Personal Finance

Budgeting, debt control & financial planning.