If you’ve ever felt saving money is too difficult or impossible, you’re not alone. Especially when responsibilities like household expenses, children’s schooling, or simply day-to-day survival take up most of your income, putting money aside feels tough. But what if I told you that you can learn how to start saving with just ₹100 a day? Yes, just ₹100! Whether you are in your 20s, running a household, or managing a family, this small change can set the foundation for big financial success. Let’s explore how.
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Why Saving ₹100 a Day Matters
Saving ₹100 a day might seem like a small effort, but it adds up. In just one month, that’s ₹3,000. In a year, you’ll have ₹36,500 — not counting any interest you might earn if you invest it smartly!
Small savings lead to big dreams: whether it’s funding your emergency fund, buying a new appliance, planning a trip, or investing for your future, starting small builds the habit and confidence you need.
Step 1: Set Clear Savings Goals
Before you begin, know why you’re saving. Goals give your money a purpose.
- Emergency Fund: Aim for at least ₹50,000 initially.
- Short-Term Goals: New mobile phone, festive shopping budget.
- Long-Term Goals: Retirement savings, child’s education.
Knowing your “why” keeps you motivated when temptations arise.
✅ Read our post on Top Financial Goals to Achieve Before 30
Step 2: Create a Separate Savings Account
Use budgeting apps like Walnut, MoneyView, or simply maintain a notebook. See where your ₹100 can come from — maybe by:
- Skipping one snack at the market.
- Taking public transport instead of booking a cab.
- Preparing homemade lunch instead of eating out.
Over a month, these small sacrifices build a stronger financial future.
Step 4: Make it a Family Habit
If you’re a householder or a housewife, involve your family:
- Encourage kids to save coins.
- Challenge your spouse to save on groceries using cashback offers.
- Set family saving targets and celebrate when you hit them.
Making saving a team activity is powerful!
Step 5: Invest Your ₹100 a Day Wisely
Saving alone isn’t enough. Invest your savings!
Options for Indian savers:
Even ₹3,000/month in an equity mutual fund via SIP can grow significantly over time thanks to compounding.
Step 6: Boost Your Income
To start saving with just ₹100 a day more comfortably:
- Sell unused items online (on OLX, Quikr).
- Take a freelance project if you have skills.
- Start a small home-based business like tiffin services, tuition classes, or handmade crafts.
Extra income = extra savings without sacrificing essentials!
Step 7: Cut Unnecessary Expenses
To start saving with Just ₹100 a Day becomes easier when you trim unnecessary spending:
- Limit online shopping.
- Avoid ordering food online frequently.
- Cut expensive subscriptions (hello, 5 OTT platforms?).
Remember: Every ₹100 saved is ₹100 closer to your dreams.
Real Life Example
Anjali, a 28-year-old housewife from Pune, decided to start saving with just ₹100 a day after attending a financial literacy workshop. She created a separate savings account, cooked meals at home, cut down impulsive shopping, and deposited ₹3,000 every month.
After one year, she had ₹36,000 saved. She invested it in a short-term mutual fund and now feels more financially secure, with plans to grow it even more.
If Anjali can do it, so can you!
Motivation to Keep Going
- Track your progress monthly.
- Set visual savings goals (like a savings thermometer on your fridge!).
- Celebrate small milestones like saving ₹5,000, ₹10,000, etc.
Building momentum keeps you emotionally invested and financially focused.
Final Thoughts: How to Start Saving with Just ₹100 a Day
Starting small is better than not starting at all. When you start saving with just ₹100 a day, you not only grow your money, but also your discipline, confidence, and future possibilities.
You’ll look back a year later and thank yourself.
So, start today — your future self is cheering for you!