Financial experts say it's important to set aside at least 20% of your salary for savings. For example, if your salary is ₹40,000, put ₹8,000 immediately into a savings account or investment. This will allow you to adjust expenses later and build your savings first.

Save plans based on what's left at the end of the month often fail. Therefore, start investing within the first week of receiving your salary. This helps keep your money under control and builds the habit of regular investment. After saving 20%, the remaining amount will be easier to manage your expenses.

Saving isn't just about saving, it's about growing your money. You can invest in SIPs, PPF, RD, and VPF. For example, if you have ₹8,000 in savings, invest ₹3,000 in SIPs, ₹3,000 in PPF, and ₹2,000 in RD. In a few years, this amount can turn into lakhs and provide financial security.

Saving alone isn't enough; controlling expenses is also essential. Limit eating out, avoid unnecessary shopping and sales, and avoid excessive credit card use. Reduce expenses like partying, showing off, and addictions. These small habits will contribute to significant savings and financial security.

If monthly expenses are high, starting with 20% may be difficult. In such cases, start small, like 10% or as much as possible, but save regularly. Also, adopt the "Save First, Spend Later" formula. Gradually, it will become a habit and reduce financial stress. Saving and investing will create funds for you in the long run.

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