How I Manage My 40,000 at 25


Hi, I’m Abi. I’m 25, work in IT, and this is how I stretch my salary without losing sleep.
Let’s get real.
I earn Rs.40,000/month. Not bad, but not exactly flex-worthy either.
In a world of Zomato Gold memberships, weekend brunches, and “Bro, just invest in stocks” DMs, it’s easy to feel like you’re falling behind.
But guess what? I’ve figured out a system that works for me.
Simple. Peaceful. Tamil-girl-approved™.
💸 My Monthly Budget (Reality Check):
Category | Amount (Rs.) |
House Rent + Bills | 10,000 |
Travel | 4,000 |
Debt | 10,000 |
Groceries & Essentials | 5,000 |
Total Spend | 29,000 |
That leaves me with Rs.11,000.
Now I could blow that on food, gadgets, or yet another pair of “productive” headphones.
But nah — I split it with future-me in mind.
🧠 How I Save from the Remaining:
Some months, I save more. Some months, I spend more on myself. But the key?
I track it. Always.
Goal | Amount (Rs.) |
LIC | 2,000 |
Recurring Deposit | 2,000 |
Gold Loan Saving | 5,000 |
Chill Budget (Me Time) | 2,000 |
🔒 3 Simple Rules I Swear By:
1. Auto-detect > Self-control
My bills and savings are auto-deducted. Salary comes, and it’s gone before I can accidentally Amazon it.
2. No big spending in the first 10 days
I wait. 90% of impulse buys vanish. Magic.
3. If I can’t afford it twice, I skip it
This mindset saved me from EMIs I can’t even pronounce, let alone pay.
☁️ Why I Choose Peace Over Pressure
I’m not chasing a crore-package (yet 😏). I’m chasing freedom, quiet growth, and the power to say “okay” when life throws a curveball.
In this IT life, where meetings feel like movie marathons and JIRA is basically jail — this budget gives me some control.
💬 You Can Do This Too
No matter your salary. Start small. Track it once. Build your rhythm.
You don’t need a finance degree or a YouTube guru yelling in caps. Just awareness, intention, and maybe a post office passbook that still smells like your grandpa’s cupboard.
Thanks for reading ❤️
Got a money system of your own? Drop it in the comments — let’s learn from each other.
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