Hey bro, if you’ve ever wondered how some people save money even with a normal income — the secret is often in small lifestyle changes that save money. You don’t have to be a finance expert or give up everything you love. Just a few simple shifts in your daily habits can make a big difference in your wallet.
Let me explain in a friendly way, with examples from real life (like how I shared with you that day over chai ☕). Let’s dive in:
1. Cook at Home More Often
Ordering food is convenient, but it adds up fast. When you cook at home, you not only save money but also eat healthier.
Example: I used to order lunch every day at work — around ₹150 per meal. Now I carry homemade lunch. That’s a monthly saving of over ₹3,000! Plus, it tastes better and is made with love.
2. Use Public Transport or Carpool
Petrol prices are high, and driving daily is expensive. Using the metro, bus, or carpooling can save you thousands each month.
Example: I started taking the metro to work 3 times a week instead of driving. I save nearly ₹1,500 monthly on fuel. Plus, I catch up on podcasts on the way!
3. Quit or Reduce Expensive Habits
Smoking, drinking, or regular coffee from cafes might seem small, but they burn a hole in your pocket.
Example: My friend used to buy coffee daily for ₹200. That’s ₹6,000 a month! Now he makes coffee at home and enjoys it just as much — and saves big.
4. Buy Only What You Need — Not What You Want
Impulse buying is dangerous. A good lifestyle change is asking yourself: “Do I really need this?”
Example: I saw a smartwatch on sale for ₹3,999. Looked cool, but I already had a watch. Skipped it. That money went into my emergency fund instead.
5. Cancel Unused Subscriptions
Streaming platforms, online tools, fitness apps — if you’re not using them, just unsubscribe.
Example: I was paying for an online magazine I hadn’t read in 4 months. Canceled it and now put that ₹300/month into a travel savings jar.
6. Follow a Weekly Spending Limit
Decide how much you’ll spend each week and stick to it. This habit keeps your overall monthly budget in control.
Example: I set a weekly spending limit of ₹1,000 for outings and extras. Once it’s over, I avoid any more expenses. Keeps me in check without feeling restricted.
7. Go for Energy-Efficient Habits at Home
Switch off unused lights, use LED bulbs, unplug appliances — these small habits lower your electricity bill.
Example: I replaced old bulbs with LEDs and unplug my laptop at night. Result? My power bill dropped from ₹1,200 to ₹800/month. Savings = ₹400 just like that!
8. Buy Second-Hand When It Makes Sense
Not everything needs to be brand new. For books, furniture, or gym equipment, second-hand stuff can be as good as new.
Example: I bought a used bookshelf for ₹700 on OLX. A new one would’ve cost me ₹2,000. I used the rest of the money for groceries.
9. Avoid Lifestyle Inflation
Got a salary hike? Great! But don’t increase your expenses immediately. Save or invest the extra money instead.
Example: When I got a ₹3,000 hike, instead of upgrading my phone, I increased my SIP. Now, that extra income is working for me.
10. Do DIY When You Can
From minor home repairs to haircuts, doing it yourself (if possible) can save a lot over time.
Example: I started trimming my beard at home instead of going to the salon every week. Saved around ₹1,200 per month. Not bad, right?
Conclusion
So bro, as you can see, saving money doesn’t mean sacrificing joy. These lifestyle changes that save money are more about smart living than cutting corners. You’ll feel more in control of your finances without feeling like you’re missing out.
You can see more: What Are Some Money Saving Tips