How I Saved ₹1,00,000 in Just 6 Months Without a High-Paying Job

Saving money always seemed impossible to me—especially with a modest income. But in just 6 months, I saved ₹1,00,000 without a high-paying job, fancy degrees, or any financial magic tricks.

Here’s how I did it—and how you can too!

🧾 1. I Started Tracking Every Rupee

The first step was awareness. I downloaded a free expense tracking app and logged every single rupee I spent.

I quickly realized I was spending ₹50–₹100 here and there on things I didn’t even remember buying. It added up fast!

Lesson: Small leaks drain the whole ship.

🍔 2. I Cut Back on Unnecessary Spending

No, I didn’t stop living. But I did:

• Switched from Swiggy/Zomato to home-cooked meals (saved ₹3,000–₹5,000/month)

• Cut OTT subscriptions I wasn’t using

• Stopped impulse shopping online

Result: Monthly expenses dropped from ₹25,000 to ₹16,000.

🛵 3. I Chose Smart Alternatives

Instead of cabs, I took buses or shared autos. Instead of expensive gym memberships, I started home workouts on YouTube.

These little switches made a big difference without lowering my quality of life.

💻 4. I Took Up Small Freelance Gigs

I don’t have a fancy degree, but I can write and design. I made accounts on platforms like:

• Fiverr

• Freelancer

• Upwork

I did simple gigs like:

• Resume designing

• Blog writing

• Social media posts

Even earning ₹3,000–₹6,000 a month extra helped my savings grow faster.

🏦 5. I Used a Separate Savings Account

The moment my salary came in, I transferred a fixed portion (₹12,000–₹15,000) into a separate account with no ATM card. Out of sight = out of mind.

I also used SIP mutual funds for long-term saving.

🎯 My Final Breakdown

Month	Saved
Jan	₹10,000
Feb	₹15,000
Mar	₹17,000
Apr	₹18,000
May	₹20,000
Jun	₹20,000
Total	₹1,00,000 ✅

💡 Final Tips

• Budget like your life depends on it.

• Increase income, not lifestyle.

• Automate your savings.

If I can save ₹1 lakh in 6 months with a modest salary, so can you. The key is not how much you earn, but how much you keep.

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