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– My personal mantra since 2022
Living on a low salary doesn’t mean you can’t save money. It just means you need to be a little smarter, a little more intentional, and a lot more kind to yourself.
I know this because I’ve lived it — and I’m still learning.
In this post, I’m sharing real, practical ways to save money even on a tight budget, without giving up all joy or peace of mind.
💡 1. Know Where Every Rupee Goes
Before anything else, track your spending.
Apps like Walnut, Monefy, or even Google Sheets can help. You’ll be surprised how much you spend on “small” things like:
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Swiggy/Zomato
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Cab rides instead of autos
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Impulse online shopping
👉 Awareness is the first step to change.
🛒 2. Master the 70-20-10 Rule (Even on Rs 15,000/ month)
Try this budget formula:
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70% for needs (rent, food, transport, mobile recharge)
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20% for savings
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10% for wants (movie, coffee, skincare)
Even saving ₹2,000/month adds up to ₹24,000/year. Small, but powerful.
🥦 3. Cook More. Eat Out Less.
Yes, you’ve heard this before. But it really works.
Making simple dal-chawal, roti-sabzi, or poha at home saves ₹3,000–₹5,000/month.
If you work, carry your lunch. Your wallet (and health) will thank you.
📱 4. Cut Hidden Subscriptions
Audit your monthly payments:
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Are you still paying for Netflix, Spotify, or apps you barely use?
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Are you on a prepaid plan you don’t need?
Switch to family/shared plans or cheaper prepaid plans.
Every ₹100 counts.
💳 5. Stop Buying Just Because It’s On Sale
Don’t fall for "70% OFF" traps.
Ask yourself: “Would I buy this at full price?”
If not, it’s not a need — it’s a temptation.
🧘♀️ 6. Enjoy Free Happiness
Money can’t buy peace. Here are free ways to feel rich:
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Walk in the park
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Journal your thoughts
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Watch rain from your window
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Listen to old songs
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Call someone you love
You don’t need money to feel full — you need presence.
💼 7. Upskill for a Better Salary
You don’t have to stay on a low salary forever.
Use free time to learn skills on platforms like:
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Coursera (free audit)
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YouTube
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Google Digital Garage
Skills like Excel, Canva, Content Writing, or Basic Coding can open side income doors.
💬 Final Words: It’s Okay to Start Small
Don’t compare your savings journey to anyone else’s.
Start with ₹100/month if that’s all you can do.
The goal isn’t perfection — it’s progress.
✨ Bonus Tip:
Automate your savings. Set up an auto-transfer on salary day to a separate bank account — and forget it exists.
Written by Sakshi Gupta
Sharing honest stories & real-life lessons — follow for more 🙏
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