Payal Timbadia was always that artsy girl in school who you'll find working on some pretty craft item. She turned her passion into a profession and became a successful arts & crafts teacher, just like her mother.

Life and money were going well for her, but things took a turn after a few years of marriage and children. Her husband's business went into huge losses, and their financial situation hit rock bottom. She had to take the lead as the breadwinner of the family and support her husband in such a dire time.

Instead of going the "safe job" way, the husband-wife started their handicrafts wholesale business. Payal invented and designed the layout of items like diyas, rangolis, bouquets, etc and her husband handled the business part. They made it themselves and sold it to retailers. It was difficult to consistently come up with designs that people were willing to pay for and to maintain logistics with limited capital.

For the initial 1-2 years, things were tough for the family, they were just able to make ends meet. Thanks to their angelic children, who were very helpful & understanding for their age. 

Slowly and steadily, the business picked up. Since they started churning out good profits, they wisely started long-term investing, owing to the knowledge and experience of Payal's husband, who had been a stockbroker earlier.

Today, in addition to being financially independent, Payal has a manufacturing unit employing many workers, financially supporting their family; even during the tough times of this pandemic.

She believes that money is not the most important but essential, and the focus should be on hard work and courage, after which wealth follows.

Payal belongs to #OurTribe as her story of supporting her family is one that of courage & hard work, inspiring many to be financially independent and start investing.