Are your expenses out of control and your savings gone? These 4 money rules will change the whole game..

Does it happen to you that you're overjoyed when your monthly salary arrives, but after 15-20 days, your account appears empty again? Expenses are mounting, and savings seem to have vanished. But don't worry. A few small changes can transform your entire money habits. These 4 Money Rules are so easy that you can start them today, and you'll see a difference within two to three months.

The 48-Hour Cart Rule: Putting a Break on Over-Shopping
These days, everyone's fingers are glued to online shopping apps. As soon as we open Amazon, Flipkart, or Myntra, we're tempted to buy something. As a result, we often add items to our carts that we don't even need.

The 48-Hour Cart Rule is a great solution. Whatever you like, add it to your cart... but don't buy it for 48 hours. When you open your cart again after two days, there's a 90% chance you'll empty it yourself. This one rule prevents unnecessary purchases and reduces wasteful spending by 30–40% each month.

Gift Account: Plan your expenses for gifts, parties, and other occasions in advance.

Every month, there's a birthday, anniversary, or small celebration, and these expenses suddenly increase. Often, buying gifts requires swiping your credit card or borrowing money. A simple solution to this problem is a Gift Account.

Set aside 2–3 thousand rupees from your salary every month and deposit it into this account. Within a year, you'll build up a substantial fund. Now, whenever a happy occasion arises, you'll be able to give gifts without stress or borrowing. This won't disrupt your budget.

UPI Fast: Use only cash for a day and see the difference.

UPI has certainly made life easier, but this very simple method often ruins your budget. From tea shops, samosas, and cabs, there are numerous expenses throughout the day that are paid for through UPI. In such situations, we lose track of how much money we've spent. The way to avoid this is the UPI Fast Rule.

Determine one day a week when you won't use UPI at all, but only cash. Spending cash automatically stops you, as you immediately feel the loss. This will help you keep track of how much cash is being spent, allowing you to easily control your spending.

Buy It Twice Rule: Buy expensive items only when you have twice the amount.
This is the most powerful rule. If you want to buy something worth ₹20,000, first check if you have ₹40,000 in your account. If not, don't buy it. Especially, avoid buying on EMI, because EMI seems easy, but with the added interest, the same item ends up being very expensive. This rule applies to major purchases like phones, laptops, bikes, refrigerators, and TVs. It helps you buy only what you can truly afford.

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