Nov 5, 2025
Ashwini BNDivide your income smartly — 50% for essentials, 30% for wants, and 20% for savings or investments. This simple rule brings structure to your budget and ensures you’re saving without feeling restricted.
Image Source: NewsPoint
Set up automatic transfers to your savings account or SIP right after payday. You’ll save before you spend — a foolproof way to grow your wealth without conscious effort.
Image Source: NewsPoint
Use apps like Walnut, Money Manager, or your bank’s expense tracker to monitor spending. Seeing where your money goes helps you cut unnecessary costs and stay within budget.
Image Source: NewsPoint
Review all your OTT, gym, and app subscriptions. Cancel what you don’t use often. Shared family plans or annual packs offer better value for money.
Image Source: NewsPoint
Home-cooked meals can save thousands each month. Prepare weekly meal plans, shop smart, and use leftovers creatively. Your wallet and health will thank you.
Image Source: NewsPoint
Digital payments make tracking easy but can also tempt overspending. Use UPI and cards for transparency, but set spending alerts to stay in control.
Image Source: NewsPoint
Plan big purchases during sale periods like Diwali or Amazon Great Indian Festival. Combine card offers, cashback, and reward points to maximize savings.
Image Source: NewsPoint
Save at least 3–6 months of expenses in a liquid fund or separate savings account. It’s your financial safety net during job loss or emergencies.
Image Source: NewsPoint
Start SIPs in mutual funds or recurring deposits, even with small amounts. Compounding works best when you start early — let your money grow while you sleep.
Image Source: NewsPoint
Revisit your spending and savings at the end of each month. Adjust goals, plug leaks, and celebrate small wins. Budgeting isn’t restriction — it’s financial freedom.
Image Source: NewsPoint
Thanks For Reading!