How to Track Your Expenses

Most people have no idea where their money actually goes. Tracking for just one month is eye-opening — most find 15-20% disappearing on things they barely remember. Use UPI apps like PhonePe or GPay — both show monthly spending summaries. Or use apps like Walnut, Money Manager, or a simple Excel sheet. Categorize spending into food, transport, utilities, entertainment, and EMIs. After 30 days you will clearly see where to cut without feeling deprived.

Key Takeaway

You cannot manage what you do not measure. Track expenses for 30 days — you will find money you did not know you were losing.

50/30/20 Rule Zero-Based Budgeting