Many people complain that no matter how much money they earn, they never have anything left. The reason for this is that either they are very spendthrift or the burden of responsibilities is so much that the salary gets spent in fulfilling those responsibilities. But whatever the situation, you must have the habit of saving. Otherwise, your and your family's future can be in danger. If your salary also gets spent as soon as it is credited to the account, then you should make it a habit to do just 2 things. Once you do this, you will learn to save in every situation and will also secure your future. After this, even if you spend your entire salary, you will not regret anything.

Adopt this method for savings.
Most people's salary comes on the last day of the month or the first day of the month. As soon as the salary comes, we start fulfilling the necessary expenses first. But now the first thing you have to do is to transfer 20% of your income to another bank account. If you set aside a part of your savings from your salary, then it will be your compulsion to meet the rest of your expenses from the remaining amount.

The second thing is investment.

Invest the amount you have transferred to another account as savings in the first week of the month. If you don't have another account, then invest that amount directly from your salary account in the first week itself. Choose the first week for investment because if you think that you will invest at the end of the month, then believe me, sometimes the expenses are so high that you are not able to save enough money to invest. Therefore, invest the investment money in a place beforehand. After this, whatever salary is left in your account, you can spend it according to your wish and needs.

Where to invest?

Now the question arises where to invest? So, in the case of investment, a saying fits, that is, one should not put all the eggs in one basket. It means that you should not invest all the money in one place. Diversify your portfolio. Nowadays, there are many schemes like RD, PPF, and SIP mutual funds, in which you can invest a fixed amount every month and can accumulate a large amount in the long run. If the amount of your 20 percent money is quite good, then you can divide it and invest in different schemes.

If you are addicted to cigarettes, alcohol, etc., then try to quit it.

If you go out to eat twice a month, then go once.

Reduce the excessive use of credit cards.

If you waste money at parties with friends, then control this habit.

If you make unnecessary purchases due to offers, then control this habit.