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Salary Saving Tips: Within a few days of receiving our monthly salary, our balance suddenly dwindles to near zero. Sometimes, mid-month, we're shocked to see our bank account status and wonder where the money has gone. Rising inflation has certainly increased expenses, but the real reason is often our small habits, which, if ignored, cause money to flow through our hands like water.

How to Control Wasteful Spending?
From groceries to rent, from online food orders to weekend outings, we overlook many small everyday expenses, leaving our budget in a mess by the end of the month. The good news is that by adopting just five simple habits, you can curb your wasteful spending and keep your pockets a little fuller throughout the month. Let's explore five habits that can increase your savings and eliminate the problem of sudden money loss forever.

1. Review your weekly expenses
Most people don't even remember what they spent after spending. Small purchases like a ₹150 coffee, a ₹300 online meal, or a ₹50 auto fare add up to thousands of rupees a month. Start writing down every expense for at least a week. Whether you write in a notebook or on your mobile phone, don't miss a single expense. By the end of the week, you'll clearly see where your biggest money leaks are. Once you know where your money is being wasted, it'll be much easier to control it.

2. Set small savings targets
People often try to make a full month's budget at once, only to break it within a few days. Setting a weekly budget instead of a monthly budget is easier and more practical. Let's say you've decided to spend only ₹1,500 on unnecessary expenses this week, then stick to that limit. Once you've reached your limit, stop unnecessary spending. A small weekly budget is crucial for managing a larger monthly budget.

3. Quit unnecessary subscriptions immediately
Many people lose money today due to ongoing subscriptions without paying attention. Streaming services, fitness apps, online gaming passes, cloud storage, and many other memberships you haven't used for months all continue to deduct money from your account. Review your mobile and bank statements carefully to make a list of all subscriptions. Immediately cancel any services that are useless or underutilized.

4. Control your eating out habit
Eating out or online food delivery has become a major expense these days. A single meal costs 300–500 rupees, and if you order 5–6 times a week, this amount can reach thousands. Home-cooked meals are not only cheaper but also healthier. If you want, you can batch cook twice a week, which will save you time and prevent you from resorting to food delivery. Eating home-cooked meals just 2-3 times a week can save you not only thousands but lakhs of rupees over a year.

5. Don't keep money in your salary account
The most reliable method is 'auto-saving'. As soon as your salary is credited, set up an automatic transfer of a fixed amount to your savings account. When the savings are deducted directly, you won't even realize you had extra money to spend. Just like when your PF amount is deducted without you even realizing it. Auto-saving strengthens your budget and creates financial security for the future.

Disclaimer: This content has been sourced and edited from Zee Business. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.