Budgeting doesn’t need to be complicated. Begin with a basic plan that covers your income, expenses, and savings goals. The key is to start simple and stay consistent.

Write down all your daily expenses—small or big.

Tracking helps you understand where your money actually goes.

Awareness is the first step to financial control.

Follow: 50% Needs, 30% Wants, 20% Savings.

This method helps beginners maintain balance and manage money wisely.

Create spending limits for food, travel, entertainment, etc.

Limits help avoid overspending.

Stick to these caps to stay financially disciplined.

Start saving for unexpected situations.

Even ₹500–₹1000 monthly makes a difference.

Aim for 3–6 months of expenses in your emergency fund.

Cancel unused subscriptions or reduce impulsive buys.

Choose budget-friendly alternatives when possible.

Small cuts add up to big savings over time.

Analyze how much you saved and overspent. Make adjustments for the next month.

Reviewing helps you improve and reach financial goals faster.