“save more money monthly” Mere saath bhi wahi problem hoti thi jo zyada middle-class families face karti hain – salary aate hi khatam ho jaati thi. Price hike, bills aur lifestyle expenses itne badh gaye the ki month end tak balance zero ho jaata tha. Lekin dheere-dheere maine kuch smart habits adopt ki, aur usse mujhe har month thoda extra save karna possible ho gaya.
Yaha main apne hi experience se nikali hui 10 simple aur practical tips share kar raha hoon jo unnecessary expenses kam karne me help karti hain, wo bhi bina lifestyle compromise kiye.
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1.Budget Banana Shuru Karo 
Mere liye sabse pehla turning point tha monthly budget plan banana. Ek simple Excel sheet ya diary me income aur fixed expenses (rent, EMI, bills) likhna shuru kiya. Jab numbers saamne aaye toh samajh aaya ki extra paisa kahaan leak ho raha hai. Ye budget ek roadmap ban gaya jo spending ko control me rakhta hai.
2. Follow the 50/30/20 Rule
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50% income → essential expenses (rent, bills, groceries)
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30% → lifestyle (shopping, outings, entertainment)
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20% → savings + investments
Isse aap automatically disciplined ban jaate ho aur dheere-dheere ek emergency fund build kar lete ho.
3. Subscriptions Review Karo
OTT platforms aur streaming apps sab ek saath lena zaroori nahi. Netflix, Prime, Disney+ sab rakhenge toh aadha paisa waste ho jaata hai. Sirf ek rakho jo poore ghar ke liye useful ho, baaki cancel kar do. Aise hi har mahine ₹500–1000 ki saving possible hai.
4. Bahar Khana Kam Karo
Restaurants aur takeaways tasty hote hain lekin pocket heavy. Agar week me 3–4 baar bahar khana order karte ho toh monthly kharcha ₹4000–5000 easily cross ho jaata hai. Ghar ka khana healthy bhi hai aur cost-effective bhi.
5. Use Cashback & Rewards
UPI apps aur credit cards cashback aur points dete hain. Agar wisely use karo toh har month ₹500–2000 bacha sakte ho. Lekin ek rule follow karo – reward lene ke liye extra kharch kabhi mat karo.
6. Buy in Bulk & Use Discounts
Household items aur groceries hamesha bulk me lena best hai. Bulk purchase se cost kam ho jaata hai aur frequent shopping trips avoid hote hain. Seasonal sales aur offers (Amazon, Flipkart, BigBasket, D-Mart) ka bhi use karo.
7. Daily Expenses Track Karo
Chhote-chhote kharche jaise snacks, chai, cab rides, impulse shopping ignore karne pe bhi mahine ke end tak ₹3000–4000 add ho jaate hain. Expense tracking apps jaise Walnut, Money Manager, Fintoo daily spending record karne me help karte hain.
8.Impulse Buying Control Karo
Online shopping ka “Add to Cart” sabse bada trap hai. Ek golden rule follow karo: “Sleep on it.” Matlab agar kuch kharidna hai toh ek din wait karo. Agle din bhi zaroorat lage toh hi purchase karo. 80% cases me lagta hai ki need hi nahi thi.
9. Electricity Bills Reduce Karo
Bijli ka bill bhi ek hidden expense hai. Simple habits se control ho sakta hai – unused devices off karo, LED bulbs use karo, AC ka temperature 24–26°C set rakho. Har month ₹500–1000 tak saving possible hai.
10. Emergency Fund & Small Investments Start Karo
Unexpected situations ke liye ek emergency fund must hai. At least 3–6 months ke expenses ek separate account me rakho. Saath hi chhoti investments start karo – SIP, PPF, RD ya mutual funds. ₹500 se bhi start karoge toh time ke sath compound ho kar grow karega.
Conclusion
Paise bachana rocket science nahi hai. Thoda planning aur consistency chahiye. Budget banane, unnecessary expenses cut karne aur daily spending track karne se maine apni savings badhayi. Saath hi chhoti investments ne long-term growth dena start kiya.
Ek cheez clear hai: discipline + smart habits = financial freedom. Agar aap slowly yeh steps follow karoge, toh aap bhi month-end ke stress se bach kar apni savings steadily grow kar sakte ho.
Frequently Asked Questions (FAQ)
Q1. What are the best ways to save money every month for beginners?
Start with a budget, track expenses, avoid impulse shopping, and set aside 20% of income for savings.
Q2. How much should I save monthly from my salary?
Ideally, 20% of your income should go into savings and investments.
Q3. Can I save money if my income is low?
Yes. Even ₹500–1000 per month saved consistently builds a strong fund over time.
Q4. Is investing better than just saving?
Yes. Saving protects money, investing grows it with interest or returns.
Q5. Which apps help track expenses?
Walnut, Money Manager, Fintoo are effective and simple to use.