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Welcome to ISPEAKSFORUM-THE PERSONAL FINANCE BLOG!!


I am so glad you stopped by. If this is your first time here, you have started in the right place. I’m Paritosh Sharma, the writer behind ISpeaksForum.

I started this blog in response to the overwhelming six-figure education loan debt I took on to complete my MBA.

When I was paying the education loan, I noticed it had not decreased a single penny! In fact, the amount I owed seemed to be increasing.

How was this possible, I wondered? Then I thought that if I was really going to get out of this trouble, something would have to be done.

As a result, I decided to start the Ispeaksforum journey, where I try to tell how you can start saving money.

Here, I have documented my own life-tested experiments, in which I show you the same path I took to overcome the situation I faced.


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Saving money starts with a focus on your discretionary expenses, especially those related to shopping and travelling. You can save money with the hacks I use regularly while I shop around the city and travel.

If you are a novice in the art of saving money, here are some methods you might want to try to start saving money.

Save Money While Online Shopping In India

6 Effective Ways To Save Money

Golden Rules For Successful Personal Finance Management

Save Money While Travelling In India (Must Know Travelling Tips)

Parents! Here’s How You Can Save Money On Fee Payments Abroad

Along with these methods, you need to adhere to some rules for investing, because investing in the right instrument at the right time can help you to cut your debt and help you achieve your long-term goals.

Should You Invest In Index Funds Like Warren Buffett?

Should You Invest In International Funds?

BUDGET 2018 LTCG TAX OF 10% ON STOCKS AND MUTUAL FUNDS

5 things everyone should know before investing in Mutual funds

cKYC PROCESS || CENTRAL KYC STATUS ONLINE

MUTUAL FUNDS VS STOCKS – WHICH OPTION IS BETTER

Here, i have given best fund details in my earlier blog post, which can help you learn the best asset classes for your risk appetite.

Some Other Blog Post that refers to Other Investment Options In India

For Income Tax Related

Cryptocurrency Can also be a asset class or investment options which can multiply your money in many fold , but it comes with higher risk as compared to Equity! Yes you heard it right more than equity!! so invest only that money, you should not be tensed if money is lost in the cyrptomarket. what is Cryptocurrency

So Wikipedia says,

cryptocurrency (or crypto currency) is digital asset designed to work as a medium of exchange that uses strong cryptography to secure financial transactions, control the creation of additional units, and verify the transfer of assets. Cryptocurrency is a kind of digital currency, virtual currency or alternative currency. Cryptocurrencies use decentralized control, as opposed to centralized electronic money and central banking systems. The decentralized control of each cryptocurrency works through distributed ledgertechnology, typically a blockchain, that serves as a public financial transaction database.

Here, are Some of inputs from my Blog Post