What saving from a Rs 25,000 salary really looks like. (Source: Envato) Show Quick Read Summary is AI Generated. Newsroom Reviewed

If your take-home pay is Rs 25,000 a month, it may feel like savings are out of reach. But by creating a realistic budget and adopting frugal habits, it is quite possible to put aside around Rs 48,000 to Rs 72,000 in a year, which means about Rs 4,000 to Rs 6,000 a month. In percentage terms, it comes to nearly 20% to 24% of your income.

First, set up a clear budget. With a tight monthly income of Rs 25,000, keep aside 60% for essentials, 20% for savings and 20% for discretionary spending, instead of the classic 50-30-20 rule.

In your case, that means about Rs 15,000 on needs, Rs 5,000 into savings and Rs 5,000 for wants.

One of the biggest levers for

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