GVers how do you spend and save money monthly?

I follow the pay yourself first rule Every month I transfer 50% salary from my salary account to savings, I don’t touch that money in savings account unless I need to invest into equity, MF, PPF etc Then 30% salary is spent on needs like rent, sending money to parents, foods, travel etc. Lastly 10-20% spent on needs like eating out, weekend parties, movies or they just stay in my salary account.

+1

Building the habit of consuming less and mindfully. One example is my office expenses upto 4k on the internet and phone bill, but I am on plans where I do it under 1k. It makes you resilient to unnecessary temptation.

Add non-negotiable expenses like rent, food, electricity. Add another 10-20% of the expenses for misc like drinks, clothes, misc. Subtract it from your salary and put the remaining in RD every month.