Personal Finance Simplified is your practical guide to understanding money without fear, confusion, or complexity.
Money decisions impact every aspect of life—yet personal finance is rarely taught in a simple, relatable way. This book bridges that gap. Written in a clear, jargon-free style, it walks you through the core principles of budgeting, saving, investing, insurance, debt management, taxation, and goal-based financial planning.
Instead of theory-heavy explanations, this book focuses on real-life situations, easy frameworks, action steps, and reflection exercises that help you apply concepts immediately. Whether you are just starting your financial journey or looking to regain control of your finances, this book empowers you to make confident and informed decisions.
This is not about getting rich overnight.
It is about building clarity, discipline, and peace of mind—and creating a strong financial foundation for yourself and your family.
Personal Finance Simplified turns complex money matters into clear actions, helping you move from financial stress to financial confidence—one step at a time.
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CA Pravina Oswal
CA Pravina Oswal is a practising Chartered Accountant, personal finance educator, and mentor with over a decade of professional experience.
She specialises in simplifying complex financial concepts and helping individuals and families make informed, stress-free money decisions. Through her advisory work, workshops, and writing, she has guided hundreds of people on budgeting, investing, insurance planning, taxation, and long-term wealth creation.
Pravina believes that financial well-being is not just about numbers—it is about habits, mindset, and clarity. Her approach combines professional expertise with practical wisdom, making finance accessible even to those with no prior financial background.
When she is not working with clients or teaching, she enjoys reading, learning, travelling, and creating meaningful content that empowers people to build a financially secure and balanced life.
