- Latest · · 9 min readEnvelope Budgeting Explained: the Cash-Envelope Method for UPI SpendingThe cash-envelope method still works when you pay by UPI. How envelope budgeting works, a full ₹45,000 example, and how to run it without cash.
- · 7 min readHow to Track UPI Spending Without Linking Your BankTrack every UPI payment without giving an app your bank login or SMS. Five habits that make manual logging take seconds, with real ₹ examples.
- · 7 min readYour First Salary: a Simple Budget That Actually SticksGot your first salary? A simple budget for a ₹35,000 first job in India: what to set up on day one, what to save, and how to make it last past month two.
- · 7 min readZero-Based Budgeting for a Monthly Salary in IndiaZero-based budgeting gives every rupee of your salary a job before the month starts. A step-by-step guide with a ₹62,000 example, irregular costs and SIPs.
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Budgeting guides for India
Plain guides to budgeting in India. Real rupee examples, no jargon, nothing to sell you until the last line. New posts land in the RSS feed too.