1. Track Monthly Expenses
Use apps like Walnut or Money Manager.
2. Follow 50–30–20 Rule
50% Needs
30% Wants
20% Savings
3. Cook at Home
Reduces monthly expenses significantly.
4. Avoid Impulse Purchasing
Always wait 24 hours before buying anything non-essential.
5. Use Credit Cards Wisely
Pay on time. Avoid interest.
6. Start Emergency Fund
Keep at least 3 months of expenses saved.
7. Invest Small But Regular
Start SIP with ₹500–₹1000 per month.