How to Save 10,000 Rs per Month — The No-Excuse Money Plan

Save 10,000

Saving money in Pakistan has become more challenging than ever. Prices are increasing, salaries are not rising as fast, and daily expenses often feel impossible to manage. But the truth is simple: you can still save 10,000 rupees per month — if you follow a structured, no-excuse financial plan.

This article will guide you step-by-step on how to control expenses, increase income, and build strong money habits that allow you to save PKR 10,000 every month, even with a tight budget.

Why Saving 10,000 Rs per Month Is Possible – Even on a Small Salary

Most people give excuses like:

• “Mera salary kam hai.”

• “Mahinay ka guzara mushkil hota hai.”

• “Unexpected bills aa jate hain.”

But in reality, savings is not about income — it is about discipline, planning, and consistency.

If you earn 30,000 to 70,000, you can still save 10,000 by controlling where your money goes and following a fixed spending system.

Part 1: The 50-40-10 Spending System (Proven Model)

To save 10,000 every month, use this simple rule:

✔ 50% Needs

Food, rent, transport, basic utilities.

✔ 40% Wants

Shopping, dining out, subscription apps, unnecessary expenses.

✔ 10% Savings

This 10% MUST go directly into savings the day you receive your salary.

But because your target is 10,000 — simply increase the savings percentage depending on your income. Example:

Part 2: Cut These 10 Hidden Expenses Immediately

Many people waste 5,000–15,000 every month without realizing. Cut these and you will save instantly:

1. Daily chai & snacks outside

If you spend Rs 100/day → 3,000/month gone.

2. Careem / Uber unnecessary rides

Use public transport or bike for short distances.

3. Mobile network packages every week

Buy ONE monthly package instead of 4 small ones.

4. Online shopping impulsively

Add items to cart → wait 48 hours → ask “Do I really need this?”

5. Food delivery apps

Delivery + tax + service fee = 300–500 extra per order.

6. Restaurant outings

Reduce to twice a month max.

7. Unused subscriptions

Netflix, Spotify, iCloud, Canva — cancel the ones you don’t use.

8. Expensive branded grocery

Switch to local products, save 20–30%.

9. Buying clothes every month

Buy ONE outfit per quarter (every 3 months).

10. Lending money to friends

This ruins your cash flow — avoid unnecessary loans.

By cutting these, you automatically save 7,000–15,000/month.

Part 3: Everyday Habits That Help You Save Faster

✔ Use Cash, Not Card

When you see the money leaving your hands, you spend less.

✔ Track Daily Spending

Use any free app like:

• Money Manager

• Wallet

• Notepad

Even writing 5 entries per day changes your mindset.

✔ Set a Monthly Spending Limit

Example:

• Food: 10,000

• Transport: 4,000

• Bills: 3,000

• Extra: 3,000

Stick to the limits strictly.

✔ Cook at Home

You save 40–60% compared to buying food from outside.

✔ Make a 3–Month Emergency Fund

After saving 10,000 per month for 3 months, create a 30,000 emergency fund — so future problems don’t break your savings habit

Part 4: Increase Your Income by 5,000–20,000 Per Month (Easy Methods)

To save 10,000/month comfortably, increase your income using these side hustles:

1. Freelancing (Beginner-Friendly)

• Fiverr

• Upwork

• PeoplePerHour

• Facebook groups

Offer basic services:

• Thumbnail design

• Virtual assistant

• Copywriting

• AI content creation

• Data entry

2. Teach Online or Tuition

Earn 8,000–20,000 easily by teaching 1–2 hours daily.

3. Selling Digital Products

You already create digital designs — sell on:

• Hostinger website

• Etsy

• Gumroad

• Instagram

4. Affiliate Marketing

Promote:

• Daraz products

• Amazon KDP

• SadaPay cards

• Hosting companies
  Earn commission for every sale.

5. Part-time Delivery Work

Foodpanda, Cheetay — 15,000–30,000 extra per month.

Even adding 5,000 extra income makes saving 10,000 much easier.

Part 5: A Simple 30-Day No-Excuse Saving Plan

Day 1–7:

Track expenses + stop unnecessary spending.

Day 8–14:

Set spending limits + switch to cash.

Day 15–21:

Start one side hustle (freelancing, tuition, or delivery).

Day 22–30:

Review your spending + deposit a full 10,000 into your savings account.

Repeat every month — your savings habit becomes permanent.

Monthly Income 40,000

SavingsRequired 10,000

Percentage 25%

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