How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Fixed Deposit
  • 1 Years ago
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How to save money on your budget

Earning money is difficult these days, but saving money has become even more difficult in today's world. Youngsters in India often crib about not being able to save money in a fixed deposit scheme since their expenses are too much. As Ric Edelman, author of The Truth About Money, said, "Don't blame your income for the fact that you are not saving money." You can save money even with a meagre salary and invest it in any asset class, and this is how investment for future saving starts.

This first part of this blog covers some of the unique ways of saving money. And the second part will explain low-risk financial products like fixed deposits, recurring deposits etc., to invest the money that you have saved. As the first rule of investment for beginners, to invest money in any asset class, you need to first have some money, thus start saving. One caveat upfront before we start is that financial success is a time-consuming process, even if you invest in the best saving schemes. Thus, you need to have the patience to see your savings multiply. Now, let's get started to answer the question of How do I start saving? Here it goes:

  • Make a Shopping List: When you plan to buy clothes or groceries, make a list of what you need. This will help you stay focused on only what you need instead of buying everything that appeals to you in a supermarket. The money you saved here can be the minimum fixed deposit amount that you can invest in a fixed or recurring deposit.
  • Reduce Your Lifestyle Expenses: You don't have to book a cab or use public transport every time you go out or drive to the nearby shop, walk instead. You can wear jeans or shoes that are not the costliest, and drink a cheaper scotch. Save all this money and look for a high-interest rate fixed deposit to put your savings in it. A small amount saved on every transaction adds up to become an investment amount in your small investment scheme.
  • Shop Online: Another crucial tip for investment for future savings is to shop online. There are multiple e-commerce sites in India that offer the best deals on anything you buy. It is usually cheaper when compared to buying the same thing from a physical store. Additionally, credit card cashback and other rewards are cherries on the cake. Besides, you are saving on fuel by not going out shopping. Pool all these savings to invest in different types of fixed deposit schemes
  • Income Tax Deductions: There are many sections under the Income Tax Act in the likes of 80C, 80D, 80E, 80TTA to name a few. You can save money in income tax by claiming a rebate under these sections. Even many small investment schemes like PPF, ELSS, post office schemes fall under these sections against which you can take benefits. Claim HRA if you live in a rented house, take advantage of tax-saving asset classes like tax-saving fixed deposits, tax saver mutual funds, premium payment towards tax-deductible insurance, etc. Consult a Chartered Account and seek his advice on where and how you can save taxes.
  • Avoid Incurring Debt: An important lesson in investment for beginners is to stay away from taking frequent loans. Millennials often swipe credit cards or take a loan to buy their favourite car. This comes at the cost of interest alongside the principal amount. Thus, you end up paying much more than what you borrowed initially. This interest amount can instead be invested in a fixed deposit scheme. This way, you will earn interest on your investment rather than pay interest on the loan. The bottom line is, only buy things that you can afford, and if you cannot, then prefer delaying this purchase.
  • Decide your Financial Goals: Your financial goals could be saving money to buy a house 10 years from now, or higher education for your children after 15 years etc. Attach a timeline, and an amount to each goal and then use an online fixed deposit calculator to know the amount to invest in a fixed deposit plan and for how many years. You can refer to an online calculator by clicking here. Stick to these financial goals and plan your finances accordingly. This is a key takeaway from this blog and an answer to your question: How do I start saving?
  • Multiple Sources of Income: Your employer can control your salary, but he cannot control your income. To save more money and invest in a fixed deposit scheme, prefer having an additional source of income. It could be from rental income on any residential or commercial property, working as a freelancer, taking online classes etc. There are always opportunities to make money, and you just have to find one to quickly accumulate the minimum fixed deposit amount

Financial Products to Invest

There are multiple asset classes or financial products to invest your savings in India, from gold to real estate and fixed deposits to equity shares. However, for someone from a small town with limited access to the internet, there are many low-risk decent returns financial products like fixed deposit schemes. Additionally, little understanding of complex financial products like equity, mutual funds, and ETFs makes them unfavourable and risky for investment for beginners.

Thus, such investors should go for financial products that carry low-risk and offer assured returns. Some of these products are fixed deposits, Government bonds (G-Sec), recurring deposits, high-interest savings bank account etc. Out of these less risky asset classes, a high-interest rate fixed deposit is ideal for an investor with a long-term horizon and thus the best investment for beginners.

The compounding effect (compound interest or, as Albert Einstein termed it as The Eighth Wonder of the World) also works best in the long term only. Thus, to taste financial success, it is advisable to start early and stay invested to witness your savings multiply. The compounding effect is one process that every investor should be well-versed with before making an investment for future saving.

There are multiple fixed deposit plans that are offered by both traditional banks and NBFCs. However, one should compare these plans across different institutions offering them to get the best deal. There are certain parameters on which you can compare different types of fixed deposit schemes, likes higher interest rate, lesser documentation, flexible tenor options, multiple interest payout options, premature withdrawal and nomination facility etc. The best saving scheme is one that has the most favourable terms and conditions based on your needs.

Fixed deposit schemes offered by NBFCs are slightly better than the ones offered by traditional banks. This is because these NBFCs tailor the fixed deposit to your requirements and offer superior rates of interest. At Shriram City Union Finance Limited, we offer the best scheme with a minimum fixed deposit amount ₹5000. This coupled with high interest rates of up to 7.75%, minimal paperwork, and flexible tenor options, differentiate us in small investment schemes. To read more about our fixed deposits, click here. We also have a fixed deposit calculator on our website that you can use for free to compute the returns on your investment. Allow us to serve you!!

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  • Fixed Deposit

Invest in Fixed Deposits: Safest and Secure way to get higher returns

  • May 04 2021
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  • Fixed Deposit

Is a PAN card mandatory for a gold loan

  • May 05 2021
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  • Gold Loan

The Gold Loan Disbursal Process Explained

  • May 05 2021
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  • Gold Loan

Easy ways to repay the Loan against Jewellery

  • May 12 2021
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  • Gold Loan

How You Can Pick The Best Business Loan

  • May 14 2021
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  • Business Loans

Why Fixed Deposits - An ideal Investment Option for Beginners

  • May 19 2021
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  • Fixed Deposit

Benefits of Taking Loan for Two Wheeler

  • May 22 2021
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  • Two Wheeler Loans

How to Frequently Monitor and Evaluate Your Investments

  • Jun 11 2021
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  • Fixed Deposit

How to refinance your loan and get better rates for your gold loan

  • Jun 16 2021
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  • Gold Loan

The Benefits of a Business Loan and How It Will Help You to Grow Your Business

  • Jun 17 2021
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  • Business Loans

The 5 Biggest Mistakes to Avoid When Getting a Business Loan

  • Jun 17 2021
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  • Business Loans

What kind of businesses are eligible for a Shriram City business loan?

  • Jun 24 2021
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  • Business Loans

Fixed Deposit VS Unit Linked Insurance Plans (ULIP) Where to Invest?

  • Jul 02 2021
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  • Fixed Deposit

Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Jul 08 2021
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  • Fixed Deposit

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
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  • Recurring Deposit

Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
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  • Business Loans

What are the differences between two wheeler loan vs personal loan?

  • Jul 27 2021
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  • Two Wheeler Loans

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
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  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
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  • Loans

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
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  • Two Wheeler Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
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  • Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
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  • Fixed Deposit

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
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  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
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  • Fixed Deposit

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
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  • Fixed Deposit

Financial Tips for New Drivers: A Blog About the Financial Tips You Should Consider Because You are a New Driver

  • Sep 09 2021
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  • Fixed Deposit

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
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  • Fixed Deposit

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
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  • Fixed Deposit

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
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  • Fixed Deposit

How Do Fixed Deposits Promote Senior Citizen Welfare

  • Nov 27 2021
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  • Fixed Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
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  • Recurring Deposit

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
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  • Two Wheeler Loans

How are Fixed Deposits beneficial for Trust and Foundations

  • Dec 01 2021
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  • Fixed Deposit

How to Optimise Your Investments in Fixed Deposits

  • Dec 02 2021
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  • Fixed Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
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  • Gold Loan,Loans

The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
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  • Gold Loan

How to choose your business loan online based on interest rates

  • Dec 07 2021
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  • Business Loans

Important Criteria to be Aware of Before Applying for a Business Loan

  • Dec 08 2021
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  • Business Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
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  • Business Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
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  • Two Wheeler Loans

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
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  • Gold Loan

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

How To Get More Results out of Your SME Loan?

  • Jan 24 2022
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  • Business Loans

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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  • Business Loans

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
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  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
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  • Recurring Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
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  • Gold Loan

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
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  • Business Loans

Business loans: Expectation vs Reality

  • Feb 09 2022
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  • Business Loans