When I had the above 3 things going for me, I began a “hisaab” diary where I would note down even the Rs 20 note that was given to the “press waala” for a few clothes that I could not manage myself. It seems annoying in the beginning but by the end of the week, you get a hang of how it works. Then after a week, I made a budget for everything including how much I want to spend on weekends when we go out to socialise. I made sure not to cross it. And by the end of the month, I had saved even more.