1. Automate Your Savings

The smartest way to save money is to automate it. Set an auto-transfer from your salary account to your savings or investment account.

• You save before you spend
• Zero emotional decisions
• Perfect for SIPs and recurring deposits

2. Track Your Spending

You don’t need large spreadsheets — just track your top expenses: food, shopping, and subscriptions.

Apps like Walnut, Fi, Jupiter, or Notion templates help track spending automatically.

3. Reduce Invisible Expenses

Invisible expenses drain money quietly. These include subscriptions, impulsive Amazon orders, and weekend overspending.

4. Build an Emergency Fund

Save 3–6 months of expenses in a separate account. It provides mental peace and prevents high-interest borrowing during emergencies.

5. Choose Smarter Investment Options

• SIP in mutual funds
• Recurring deposits
• Digital Gold / Gold ETFs
• PPF for long-term goals

6. Try No-Spend Days

Pick one day per week where you spend nothing except essentials. It builds discipline and controls impulse buying.

7. Spend Mindfully

Ask yourself: “Will this matter after 30 days?” If the answer is no, don't buy it.

8. Use Cashback & Rewards

Apps like Google Pay, Paytm, CRED, and Amazon Pay offer cashbacks that reduce daily expenses without sacrifice.

9. Cook More, Order Less

Cooking 3–4 times a week can save ₹24,000–₹48,000 yearly, plus it's healthier.

10. Learn Skills That Save or Earn Money

Learn budgeting, cooking, DIY repairs or income-generating skills like freelancing and digital marketing.