Certified Personal Finance Coach · Hyderabad & Wanaparthy

Take Control of Your Money. Build a Better Financial Future.

I help salary employees and middle-class families across India master budgeting, savings, debt freedom, emergency funds and long-term goals — with simple, practical money habits that actually stick.

500+Families Coached
₹8Cr+Money Transformed
4.9★Client Rating
Emergency Fund Secured

Your Money Blueprint

Sample Budget
Monthly Salary
₹62,000 / month
🛡
Emergency
₹6,200
🏠
Expenses
₹38,000
🎯
Goals
₹5,400

62% of income allocated

Follow the proven 50/30/20 method — customised for your lifestyle.

Debt PlanOn-track
Savings+18% YoY
Saving ₹50,000+ monthly
Budget Planning Smart Saving Debt Freedom Emergency Fund Goal Planning Money Habits Investing Basics Family Security Budget Planning Smart Saving Debt Freedom Emergency Fund Goal Planning Money Habits Investing Basics Family Security
What I Offer

Services Built for Salaried Professionals & Families

Every coaching plan is personal, practical and action-based — no jargon, no judgments, just clear next steps for your money.

01

Budget Planning

Build a realistic monthly budget that works with your salary — and spend without guilt or stress.

02

Smart Saving

Automate savings so money grows even before you spend. Simple systems for consistent growth.

03

Debt Management

Clear credit cards, loans and EMIs faster with a proven payoff strategy that saves you interest.

04

Emergency Fund

Build a 6-month safety net so a single crisis never pushes you into debt again.

05

Goal Planning

Fund weddings, education, home and retirement — with clear timelines and monthly actions.

06

Money Habits

Rewire how you think about money with small daily habits that compound into real wealth.

1:1 Personal Coaching· WhatsApp Support· Monthly Reviews· Family-Friendly Plans· Hindi & Telugu + English· Affordable for Everyone
Wealth Compass Direction, discipline & daily action 60% Invested Goals
Meet Your Coach

Meet Vijay Kumar — Your Personal Finance Coach

After coaching 500+ families near Wanaparthy and Hyderabad, I know the real money struggles of salaried professionals and middle-class households. My job is simple: turn your stress into a clear, workable plan — and stay with you until the habits are built.

  • Practical, Not TheoreticalReal budgets for real salaries — customised to your family.
  • Non-Judgmental CoachingZero shame about your past money mistakes — only a way forward.
  • Ongoing AccountabilityMonthly reviews and WhatsApp support keep you on track.
  • Family-First Money SystemA complete plan that protects your whole household.
How It Works

Your Roadmap to Financial Confidence

A simple 4-step framework I take every client through — from where you are today to where you want to be.

01

Free Consultation

Book a free 30-minute session. We talk about your income, expenses, fears and dreams.

02

Money Audit

I map every rupee — find leaks, hidden costs and quick wins you can act on immediately.

03

Your Personal Plan

Get a custom budget, savings & debt roadmap built for your salary and family goals.

04

Monthly Coaching

Review progress monthly, fix roadblocks and build habits that stick for life.

Client Stories

Real Families. Real Transformations.

Hear from salaried professionals and families who took control of their money.

★★★★★

"I was living salary-to-salary with no savings. In 8 months I built a 4-month emergency fund, cleared my credit card debt and finally sleep peacefully at night."

Before₹0 saved
After 8 months₹1.2L saved
RS
Ravi S.Software Engineer, Hyderabad
★★★★★

"Vijay sir treated our family like his own. He helped us budget for our kids' education, family trip and even a small home down-payment fund. Plan says it all."

BeforeNo structure
After 1 year4 goals funded
AP
Anitha P.School Teacher, Wanaparthy
★★★★★

"Cleared ₹3.4L of personal and credit card debt in 14 months using his debt ladder method. The monthly review calls kept me accountable the whole way."

Before₹3.4L in debt
After 14 monthsDebt-free
MK
Mahesh K.Government Employee, Mahbubnagar

Your first money plan is on me.

Book a free 30-minute consultation. Walk away with one instant action — even if we never work together.

Book a Free Consultation
Free Resources

Practical Guides & Tools You Can Use Today

Short, jargon-free resources to start improving your money this week.

Free Download

The 50-30-20 Budget Template

An interactive tracker for salary employees to plan needs, wants and savings in minutes.

Excel + Print
Free Download

Emergency Fund Calculator

Find exactly how much you need as a safety cushion and how fast you can build it.

Excel + Print
Free Download

Debt-Free FnL Checklist

A step-by-step checklist to crush loans and credit cards faster than you thought possible.

Excel + Print
FAQ

Common Questions, Straight Answers

Salary employees, teachers, government staff and middle-class families who feel their money runs out before month-end — and want a clear system to change that.
Banks sell products. I coach behaviour — budgeting, saving, debt discipline and money habits. It's about your daily decisions, not commissions or product pitches.
No. I coach and educate you to make informed decisions. Your money always stays in your own accounts under your full control.
Most clients see big changes in 3–6 months. We usually work together for 6–12 months to make the habits permanent. You can continue monthly as long as you value it.
Plans are simple and affordable for middle-class families. The first consultation is completely free — we discuss your situation and your likely cost there.
Yes. Sessions are available in person near Wanaparthy or online (Google Meet / phone). I coach comfortably in Telugu, Hindi and English.
Start Today

Your Future Self Will Thank You.

Book your free consultation now and take the first step toward financial freedom — no strings, no pressure, just clarity.

Near CV Raman College, Wanaparthy, Telangana, India