Hi Fishes,
I'm having 9 yoe and till last year my saving was around 18lakh that I used to take home with loan of 30L for 10 years and now I'm paying around 35k emi. As of now I have 1lakh in my account as emergency fund. I feel that I'm not saving well. Can anyone tell me how can I mange my saving better? I earn 1lakh/month and no family support.

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Make a note of your expenses and your savings. For eg, in 1 lakh if you paying 35.. out of remaining 65k, since there is no rent to be paid am assuming you can save min 35. Now you need to plan for insurance + investments+ short term savings. I would suggest take a term insurance if uou dont have one. Start a RD for 6 months and that can be emergency money. So for 6 months I would say RD or other such short term funds, would be atleast 20k per month and later you can reduce to 10k until you have 6 months salary as emergency.
Remaining for first 6 months just invest in mutual funds based on risk appetite. Later would suggest to move to mutual funds + gold ETF+ RD. Rd after 1 year , you can convert total amount as FD.

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Install an expense management app like walnut. Give access to sms. End of the month you'll have a full report of all expenses and incomes. Use the split between shopping, rent, food, leisure etc and see where you can cut back upon.
As for investment and saving, once you know how much is essential and how much is wasteful, you can put that much amount in investment at the start of the month. I always go aggressive. My expenses amount to 20% of net income. I divide the 80% between investment and EMI prepayment on day 1 of salary credit. That way I have no money to spend on wasteful things. It's a strict regimen which forces you to spend within your means.
Use credit card in case of emergency

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Go to your phone settings, app permission and SMS. See how many apps are listed there.

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