How Am I Planning To Save ₹10 Lakhs In Just 2 Years? 💰🔥
I know most people are like me struggling to save money but today I am going to break down step-by-step methods to save ₹10 Lakhs in Just 2 Years. Sounds impossible right but with proper money management everything is possible :)
Step 1: Cut Unnecessary Expenses — Small Leaks Sink Big Ships! 🚢💸
Alright, let’s be real — saving money isn’t just about earning more; it’s about NOT letting it slip through the cracks. You don’t need to live like a monk, but some small habit changes can make a HUGE difference. Here’s what I did:
1. The “Death by ₹200” Rule ☠️
Ever thought, “Oh, it’s just ₹200, what’s the big deal?” Yeah… do that 50 times a month, and boom — you just lost ₹10,000 without even realizing it. I started questioning every small spend. If it wasn’t adding real value, I skipped it.
2. Killed My Food Delivery Addiction 🍕🚫
Swiggy, Zomato, Blinkit — these apps were silently robbing me! A ₹300 meal twice a day = ₹18,000/month. Instead, I meal-prepped, learned a few quick recipes, and only ordered out for special occasions. Saved ₹10K+ every month.
3. Unsubscribed from Subscriptions I Forgot About 📺📉
Netflix? Amazon Prime? Disney+? Gym membership I never used? I went full detective mode and found out I was spending ₹3K+ a month on things I barely used. Cut them off and redirected that money straight into my investments.
4. Stopped Upgrading My Gadgets Just for Hype 📱❌
That iPhone 15? My iPhone 12 was working perfectly fine. I used to upgrade just for the sake of it, but now, I ask myself — “Do I need this or just want it?” Learning to say NO saved me ₹1 lakh in two years.
5. Used My Credit Card Like a Pro 💳✅
Instead of using credit cards to splurge, I used them for cashback and rewards ONLY. Paid my bill in full every month, avoided interest, and even got free flights and discounts worth thousands.
6. Bought in Bulk & Hunted for Deals 🛒
Why pay ₹50 for a single packet of oats when you can get a 5kg bag for way cheaper? I started bulk-buying essentials and tracking discounts on groceries and daily needs. Over time, it saved me a ton!
7. Said Goodbye to Impulse Shopping 🛍️🚫
Instagram ads almost got me every time! Those “Buy Now, Pay Later” schemes? TRAPS! Now, I follow the 24-hour rule — if I still want it after a day, I consider buying it. 90% of the time, I forget about it.
At first, these changes felt small, but over time, they added up to lakhs in savings. The best part? I didn’t feel deprived — I just became intentional with my money. Try it, and watch your savings grow like crazy! 🚀💰
What’s one expense YOU think you can cut right now? Drop it in the comments!👇🔥
Step 2: The 50/30/20 Rule — But With a Twist! 🔄💰
Okay, so you’ve plugged the money leaks — great! But now, what do you actually do with the money you’re saving? That’s where the 50/30/20 rule comes in. But wait — I didn’t follow it the usual way. I gave it a little twist! Let me explain.
1. What’s the 50/30/20 Rule? 🤔
It’s a simple budgeting formula:
✅ 50% for Needs — Rent, groceries, bills, EMIs
✅ 30% for Wants — Eating out, shopping, entertainment
✅ 20% for Savings & Investments — Your future self’s best friend
Sounds easy, right? But here’s the problem — I realized 30% on “wants” was TOO MUCH! So, I flipped the script!
2. My 40/20/40 Rule — The Smart Money Hack 🚀
Instead of 50/30/20, I followed:
✅ 40% for Needs — Cut down on unnecessary expenses
✅ 20% for Wants — No more mindless spending
✅ 40% for Savings & Investments — Maximizing my future wealth
That one tweak doubled how much I saved every month! Imagine doing that for years — your bank balance will thank you. 😎
3. Automate & Forget — The Lazy Genius Move 🔄📲
I made saving foolproof by automating it. The second my salary hit my account, 40% was automatically transferred to my investment accounts. No thinking, no excuses. Whatever was left? That’s what I had to spend.
💡 Pro Tip: Open a separate savings account and move your savings there before you even touch your spending money. Out of sight, out of mind!
4. Investing > Saving — Make Your Money Work for You 📈💸
I didn’t just let my money sit idle. I put it into:
✅ SIPs (Systematic Investment Plans) 📊
✅ Index Funds (Low risk, high return) 📉
✅ High-interest FDs & RDs (For safety) 💰
By doing this, my savings weren’t just saved — they were growing!
5. The 1% Challenge — Level Up Your Savings Game 🚀
Every month, I increased my savings by 1%. Started with 30%, then 31%, then 32%… In a year, I was saving 40% without even feeling it. Try it — it’s a game-changer!
At the end of the day, money loves discipline. The more intentional you are with it, the more it multiplies. So, flip the 50/30/20 rule, automate your savings, and let your money work for YOU!
What’s YOUR current savings percentage? Let me know in the comments!👇💡🔥
Step 3: Invest Smartly 📈 — Make Your Money Work for You! 💸🔥
Alright, so you’ve cut unnecessary expenses and mastered budgeting. Now comes the fun part — GROWING your money! Because let’s be real, just saving isn’t enough. If your money isn’t working while you sleep, you’re missing out! 😎
Here’s exactly how I invested smartly and added lakhs to my savings! 🚀
1. SIPs — The “Set It & Forget It” Investment 🏦📊
I started a Systematic Investment Plan (SIP) in index funds and mutual funds. Even with just ₹5,000/month, the power of compounding turned it into lakhs over time!
💡 Why SIPs?
✅ Low effort, high reward 📈
✅ Works even if the market crashes (you get more units at a lower price!)
✅ The longer you stay, the more you earn
👉 Started with ₹5,000/month → Now investing ₹20,000/month!
2. Stocks — But No Gambling! 🚫🎲
I didn’t YOLO my money on random stocks. Instead, I followed the “80/20 Rule”:
✅ 80% in stable, proven stocks (Tata, HDFC, Infosys, etc.)
✅ 20% in high-growth stocks (Tech, pharma, emerging sectors)
📌 Pro Tip: If you don’t have time to track stocks daily, stick to index funds like NIFTY 50 or Sensex. They beat most active investors over time!
3. Debt Funds & FDs — Safe & Steady Returns 🛡️
Not all my money went into the stock market. I parked some in:
✅ Debt Mutual Funds (Low risk, better than savings accounts)
✅ Fixed Deposits (FDs) & Recurring Deposits (RDs) (For emergencies)
This ensured I always had liquid cash without worrying about market crashes!
4. Gold & REITs — Smart Diversification 🏠✨
✅ I bought digital gold & Sovereign Gold Bonds (SGBs) instead of physical gold (no storage worries + extra interest!)
✅ Invested in REITs (Real Estate Investment Trusts) to earn from real estate without buying property! (Small ticket size, passive income!)
These added a layer of security to my portfolio while still giving me growth!
5. Crypto & International Stocks — The “Spicy” Investments 🌍🔥
I didn’t go all in, but I allocated 5–10% of my portfolio to:
✅ Bitcoin & Ethereum (Only blue-chip cryptos, no meme coins!)
✅ US Stocks (Apple, Tesla, Google) via Indian investment platforms
Why? To hedge against inflation & currency fluctuations. 💡
6. The ₹100 Challenge — Start Small, Go Big! 📊💰
When I started investing, I was scared of losing money. So I took the ₹100 challenge:
📌 Invested ₹100/day in SIPs & stocks for a year
📌 Didn’t feel like much, but by year-end, I had ₹36,500 + returns!
📌 Built the habit of investing DAILY 🔥
7. Automate & Chill — The Secret to Consistency 🤖💳
I automated ALL my investments at the start of the month. The money was invested before I could even think about spending it. No stress, no excuses!
💡 Remember: Time in the market beats timing the market! ⏳📈
Final Thoughts: Get Rich Slowly but Surely! 💸🚀
Investing isn’t about quick gains — it’s about consistent, smart moves over time. I started small, stayed patient, and now my money is working harder than I do! 😎
So, what’s stopping you? Start today, and in a few years, you’ll be glad you did!
💬 What’s your favorite investment strategy? Let’s discuss in the comments! 👇🔥