About

Hey, I am glad you are here.
SmartGullak isn’t some fancy finance blog. It’s a personal space I created to share what I’ve learned (and am still learning) about saving money, budgeting smarter, and building better financial habits – especially when income is tight or unpredictable.

I started SmartGullak because I know how overwhelming money can feel. I have made mistakes, figured things out the hard way, and picked up tricks that work in real life, not just in theory. This blog is where I write those lessons down, with the hope they might help someone else, too.

“Gullak” means piggy bank, and for many of us growing up in India, it was our first taste of saving.
The idea behind SmartGullak is simple: take that same savings mindset into the digital world – but do it wisely.

This isn’t about cutting every rupee or living with guilt. It’s about making smart decisions, even if the amount is small, because small steps add up.

What You’ll Find Here

On SmartGullak, I share:

• Simple, practical money-saving ideas
• Tips for budgeting on a low or irregular income
• Real tools, apps, and resources I try
• Honest thoughts on spending, mindset, and mistakes
• A little bit of emotion, because money is personal

Everything is written in plain, easy-to-read language – no complicated finance jargon here.

SmartGullak is for:

• Students are trying to stretch every rupee.
• Salaried folks who feel like their income disappears too fast
• Freelancers, gig workers, or anyone without a “fixed” paycheck
• People who are tired of feeling stuck with money

If you are trying to make the most of what you have – without stress or shame – you are in the right place.

• I am not a financial advisor, expert, or guru.
• Everything here is based on personal experience, research, and trial-and-error.
• Please take what helps, ignore what doesn’t, and always do what’s best for your situation.

Let’s Stay Connected

– Have a question?
– Want to share your story or tip?
– Just want to say hi?

You can always email me at: contact@smartgullak.com

I reply to real people, not bots.

Thanks again for stopping by.
SmartGullak is still growing, and I am learning as I go.
If you find even one helpful thing here, that means the world to me.

Let’s build better money habits – one smart step at a time
– SmartGullak