Categorized your expenses in 3 categories: Need, Wants and Luxury. 

For example, grocery is need, seeing movie is want and seeing movie in multiplex on recliner chair is luxury.

In today's scenario, 50% of expenses are on luxurious items. If you cut it down by even 10%, major money can be saved and invested into various investment options, which can give you yield of 14-15%.

Just for an example: if you save INR 5000 monthly, and invest it in any instrument giving 14-15% return, compounding effect of 5 years will be total savings of INR 4,36,000 !!!

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