In Indian family, the time of marriage gets spent so much that most of the couples focus on saving after coming from honeymoon but it becomes a bit difficult for ladies to save because how can they stop their hearts from shopping.
If you are one of those women who are finding it difficult to save after marriage and the salary ends as soon as they come, then you need to follow these tips for saving. This situation happens to almost everyone because we do not make the budget for the month properly, so you must follow these easy tips:
Make sure to prepare a budget
Just as the Finance Minister prepares the budget of the country every year, in the same way, becomes the Finance Minister of the house and decides the entire finance budget of the house on the coming day of salary every month.
After taking out the salary, make a rough blueprint that how much money is to be spent in the whole month. For example, you decide how much money will go to ration expenses, education expenses, other expenses, etc. so that you can get an idea of how much can be spent in the whole month. Once the blueprint is in place, you can avoid the hassle of each month. If you do not do this, then all the time the same problem will be in front of you that there is no money left, so it is very important to take care of all these things.
Don’t forget to get FD
Put the money fixed for savings in the savings account from the salary account itself or make its FD. In this way, even if you want, you will not be able to spend the money which has been kept for savings.
For example, if your income is fifty thousand rupees per month, then you can make an FD by withdrawing five thousand rupees every month. In this way, at the end of the year, you will have sixty thousand rupees i.e. one month’s extra earnings.
After coming to the salary account, it is not necessary that you withdraw the entire salary from the ATM, but withdraw as much money from the account as is necessary because if the money remains in hand then it will be a waste of money. That is why it is very important that you withdraw money according to your expenses and also keep in mind that you have to spend the same amount for the whole month.
Take control of online shopping
If you also fall into the temptation of new-age online shopping then control yourself. When we sit for online shopping, we do not even know about it and a huge bill gets ready to waste, so avoid shopping online.
You can also use the piggy bank
Although children no longer make piggy banks, if you want, you can make your own and your spouse’s piggy bank. Whose money is deposited the most, declare him as the next finance minister of the house? Clearly, the saver is looking at the future in the right way.