Half-year, half-spent? smart June habits to fix that!
As June ends, we’ve officially hit the halfway mark of the year — and it’s the ideal time to reflect on spending habits. Whether you're planning for a monsoon vacation, saving for upcoming festivals, or just trying to build a healthier bank balance, a mid-year money check can make all the difference. With inflation nibbling at our wallets and impulse purchases increasing, it’s important to revisit your monthly expenses. But, the good news is there is no requirement of drastic sacrifices. A few simple lifestyle tweaks can surprisingly increase your savings.
Here’s a practical guide for Indian households to realign their budget this June and enter into the second half of the year with better financial control.
From OTT platforms to gym memberships, the hidden subscriptions that you haven’t used since January, are silently draining your money.
Budget tip: Take half an hour and go through your bank statements or UPI app logs. Cancel those subscriptions that do not add value to your daily life. You can always restart them later if required.
Fruits like mangoes, jamun, and watermelons are not just delicious — they’re cheaper and healthier options in this season.
Budget tip: Shop at your local mandi (market) instead of supermarkets. You'll get fresh and local produce at cheaper rates.
With rising temperatures, AC usage skyrockets — and so do the electricity bills.
Budget tip: Invest in LED lights, unplug unused appliances, and set your AC at 24°C. Even simple things like using ceiling fans efficiently or drawing curtains during peak heat can make a huge difference.
Are you relying too much on online food delivery? Undoubtedly, they are tempting — especially with flashy discounts. But frequent ordering adds up fast.
Budget tip: Meal preparation during weekends or cook easy one-pot dishes during the week. Try limiting food delivery to weekends or special days to enjoy guilt-free indulgence.
With rising Petrol and diesel prices, regular commutes can take a big bite out of your monthly budget.
Budget tip: Use metro, buses, or shared autos and cabs whenever possible. If you’re travelling daily to office, consider carpooling with colleagues.
Many of us, unknowingly overpay for data or minutes we don’t even use.
Budget tip: Compare your current plan with what competitors are offering. Switch to a plan that fits your usage pattern without overkill.
Tracking monthly expenses can feel too broad and in that process you might miss daily spending leaks.
Budget tip: Use apps or even a simple Google Sheet to log weekly expenses. As you track more often, you course-correct faster.
Entertainment doesn’t always have to cost lots of money.
Budget tip: Visit public parks, attend community events, go for monsoon treks. Government museums, open-air concerts, and city walks are also great ways to unwind without breaking the bank.
Do you love to write, design, bake, or teach? Your hobby could supplement your current income.
Budget tip: Begin with freelancing platforms or social media to showcase your works. A few hours in the weekend can add an extra income stream to your household.
These lifestyle modifications may seem small on their own, but together they form an impactful shift in how you handle your money.
Start now. Review, reduce, and realign. Because saving smarter today will gift you a stress-free tomorrow.
