Start by tracking every rupee you spend for one full month before changing anything — most people underestimate small, frequent expenses like food delivery or cab rides far more than big ones like rent.
Once you have real numbers, sort spending into needs, wants, and savings, then set a target for each category based on your income rather than habit.
Review the budget monthly, not daily — early on it will be inaccurate, and the goal is a workable system you’ll actually stick to, not a perfect spreadsheet.
Quick tip.Use your bank and card statements from the last two months as your starting data instead of trying to recall spending from memory — memory consistently underestimates.