Why I Started The Money Margin

I’ve always had a strange relationship with money. Not in the “I want to be rich” way, but in the quiet curiosity of how it works, how it behaves, and most importantly, how people behave around it.

Growing up, I watched money move — sometimes quickly, sometimes quietly — through ledgers, through lives, through moments of stress and celebration. I saw it in my father’s factory, where I first learned that business wasn’t just about profits. It was about decisions, margins, trust, and timing.

And somewhere between those dusty account books and the neatly ruled notebooks I carried during CA articleship, I fell in love with clarity — the kind that comes when numbers begin to make sense. That clarity, however, wasn’t always easy to find in the noise of financial jargon, tax codes, or market chatter.

I have learned that there is a story behind every number. Numbers just don’t show up in a cash flow statement or in a balance-sheet. They have a history, a story. Somewhere someone made a choice, a decision and as a result numbers show up.

The Need for a Margin

The Money Margin was born out of that need; a margin. Not just a financial one, but a space.
A space for me to think out loud.
A space for someone like you maybe a CA student, a young earner, or someone staring at their bank app wondering if they’re doing okay; to feel a little more certain.
This blog isn’t a classroom. It isn’t a lecture.
It’s just… a margin. A space on the side of the page where thoughts can breathe.

What You’ll Find Here

Expect simplicity.
Not because finance is simple, but because it should be explained that way.

I’ll be writing about:

1. Money habits I’ve learned and unlearned

2. Mistakes I’ve made with money (and watched others make)

3. Concepts from Finance, accounting, tax, and audit — told through stories, not textbooks

4. Observations from a CA’s lens, without the usual formality

Sometimes, I’ll write like I’m explaining something to a friend over cup of coffee. Sometimes, it’ll be reflective — like those late-night realizations that numbers don’t always tell the whole truth.

So, Why Now?

I’ve always loved writing. Before I became a Chartered Accountant, I was already writing — in notebooks, margins of textbooks, and late-night drafts that never got published. Stories, thoughts, half-formed ideas. It’s how I made sense of things.
For a long time I told myself I needed to “wait”, wait to be more experienced, more qualified, more certain. But I’ve learned something from reading (and living): You don’t need to know everything to start. You just need to start.

If you’ve read this far, thank you. Truly.
You’re exactly the kind of person I hope reads this blog; thoughtful, open, and curious. Let’s build a space here where finance is not feared, but understood — one word, one story, one margin at a time.

– Shubham Mittal