The first step toward saving more is to know exactly where your money is going. Most people usually underestimate small expenses, like a daily run for coffee or frequent online ordering of food. Start by tracking each and every expense using some simple app or spreadsheet for one month. You will be surprised at how much you can trim simply by cutting back on non-essential spending. The moment you identify wasteful expenses, redirect that amount into a savings account or SIP.

Switch to smarter subscriptions

Subscription fatigue is real. All those streaming services, gym memberships, and premium app services ding your monthly budget in silence. Review all your subscriptions and cancel the ones that you seldom use. Consider shared services with friends or family. Even trimming Rs 500 to Rs

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