Are you tired of seeing your salary disappear every month? I used to feel the same — confused and frustrated. But in just 90 days, I save ₹50,000 without giving up the things I love.
No fancy income. No extreme frugality. Just a realistic, zero-stress plan anyone can follow — whether you’re in India, the US, or anywhere in between.
Let me show you exactly how I did it, step by step.
🧾 Step 1: Track Every Rupee (or Dollar)
In the first month, I didn’t save anything. I just tracked where my money went.
✅ Tools I used:
- Walnut (India) – Tracks SMS-based expenses automatically
- Mint (Global) – Great for budgeting in USD
- Google Sheets – Simple & free
Why it matters: Most of us think we know where our money goes. Tracking shows the truth.
💸 Step 2: Use a Budget That Fits You
I followed a customized version of the 50/30/20 rule:
| Category | % of Income | ₹25,000 Example |
|---|---|---|
| Needs | 60% | ₹15,000 |
| Wants | 15% | ₹3,750 |
| Savings | 25% | ₹6,250 |
💡 Tip: Adjust it based on where you live and your lifestyle. If rent is high, reduce “Wants” instead of skipping savings.
✂️ Step 3: Cut Costs Without Sacrificing Joy
I didn’t become a miser. I simply plugged the leaks.
💀 What I Cut:
- Food delivery (₹4,500 ➝ ₹1,500/month)
- Multiple OTT subscriptions (shared accounts)
- Impulse Amazon purchases (waited 30 days)
💚 What I Kept:
- One restaurant visit per month
- A small fun budget: ₹1,500/month
- Netflix (shared with my cousin)
This helped me stay sane and consistent.
🏦 Step 4: Automate Your Savings (Secret Weapon): Save ₹50,000 effortlessly with this strategy.
The real magic happened when I started saving first, not last.
I used:
- A free Recurring Deposit (RD) in my bank app
- Jar App (India) – Saves ₹10–₹50/day in gold
- Groww or ETMoney – SIPs as low as ₹100/month
💡 Tip: Set up auto-debit so you never “see” the money you save.
⚒️ Step 5: Use Smart Tools & Tricks
Small changes = big wins.
✅ Bonus hacks:
- Used CashKaro for cashback (India)
- Bought groceries monthly, not weekly (saved 15%)
- Airtel recharge with free OTT bundle
- Made coffee at home (saved ₹1,500+)
📊 Real Results in 3 Months
| Month | Saved (₹) |
|---|---|
| 1 | ₹11,500 |
| 2 | ₹17,300 |
| 3 | ₹21,200 |
| Total | ₹50,000+ 🎉 |
🧠 Key Takeaways (Save This!)
- Track before you cut
- Build a budget that works in your country
- Don’t remove joy — just reduce waste
- Automate your savings
- Use apps and hacks to simplify the process
🙌 Final Words: You Can Start Today
Whether you’re earning ₹15K or ₹50K/month, this method works.
It’s not about being perfect. It’s about being aware, consistent, and kind to yourself.
Start small. Stay flexible. And when you hit your goal? and Save ₹50,000 Celebrate it. You earned it.