This article is general information, not financial advice. Please verify terms with your bank/NBFC before acting.

Start here; customise for your reality.

Track a month of spending, then allocate income across needs, wants, and savings. Automate savings first and review weekly to stay on track.

  • Use apps/spreadsheets or envelope method.
  • Plan for annual/quarterly expenses via monthly sinking funds.
  • Reward small wins to build momentum.