How I Manage My Finances on a ₹20,000 Monthly Income (Without Feeling Broke)"

 🧠 Introduction

Most people think ₹20,000 is too little to live with freedom.

But I’ve learned that it’s not about how much you earn—it’s how well you manage it.

Let me show you exactly how I break down my monthly ₹20,000 income and still save, invest, enjoy, and grow.

💰 My ₹20,000 Monthly Budget (Real Breakdown)

Category           Amount (₹)        %

Rent + Utilities    ₹6,000               30%

Food & Groceries    ₹4,000               20%

Travel/Commute    ₹1,500               7.5%

Personal.                 ₹1,500.        7.5%

Savings + SIP   ₹4,000               20%

Emergency Fund   ₹2,000               10%

Total                  ₹20,000               100%

> 📌 Yes, even with 20K, I save and invest.

🔍 Key Habits That Make It Work

1. Track Every Rupee

I use an app like Walnut or Monefy to track expenses daily. It keeps me conscious.

2. Cook 5 Days a Week

Avoiding Swiggy/Zomato saved me over ₹1500/month. I treat myself only on weekends.

3. Use Cash for Discretionary Spend

I withdraw ₹1500 cash for shopping/food. When it's over—no more spending.

4. SIP with Just ₹500

Started investing with ₹500/month in mutual funds. Now I’m at ₹2,500/month—and growing.

5. Avoid EMI Traps

No unnecessary loans, no credit card bills. Peace of mind is worth more.

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🧠 Financial Lessons I’ve Learned:

You don’t need 6 figures to save.

Most people don’t need more money—they need more control.

Saving 20% of your income, no matter how small, is the real game-changer.

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✅ Tools I Use:

Budgeting App: Walnut / Monefy / Goodbudget

Investments: Groww / Zerodha Coin / Paytm Money

Notes: Google Sheets for monthly tracking