Smart Finance Tips

Save at least 20% of your income every month. Automate savings so money moves to savings before you spend it.

Use the 50-30-20 rule: 50% Needs • 30% Wants • 20% Savings. Track expenses weekly to avoid overspending.

Pay high-interest debt first (credit cards, loans). Always pay more than the minimum amount whenever possible.

Start investing early. Even small SIPs grow big due to compound interest. Diversify your investments.

Wait 24 hours before making non-essential purchases. Avoid impulse buying and track emotional spending.

Maintain an emergency fund of 6 months of expenses. This protects you from unexpected medical or job-related emergencies.

Track every expense, even small ones. Small daily spends silently affect your monthly savings.

Start managing money early. Avoid unnecessary EMIs and build strong saving habits before your first job.

Review subscriptions monthly. Cancel unused services to avoid wasting money on auto-debits.

Never share OTPs, card details, or passwords. Enable alerts and two-factor authentication for all bank apps.