1. Pay your credit balance fully in every month. Don't roll over your credit card balances. If you have a balance Rs 20000/- on credit card you will be charged 3% interest every month and you will have to pay Rs 600/-. You are saving Rs 600/- per month.
2. Stop smoking and gradually reduce consuming liquor. It will gives huge amount for annual.
3. Save energy by minimizing the usage of electricity. Put off the fan, light, etc. when not in use.
4. It is better Buying goods whenever discount is provided by the traders.
5. Don't buy things even-though getting in cheaper price when it is of not in use.
If you follow this instructions you will be saved huge amount in yearly.
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