Every finance guru tells you to follow the 50/30/20 rule. 50% needs, 30% wants, 20% savings.

Sounds clean. But if you're in your 20s earning your first real paycheck, that math rarely works out. Rent alone eats 40-50% in most cities. Then add subscriptions, groceries, transport — suddenly "wants" and "savings" are fighting over scraps.

Here's what I've found actually works:

The "Pay Yourself First" method:

• The moment your paycheck hits, move a fixed amount to savings. Even if it's just ₹500 or $20.

• Whatever's left? That's your budget. Period.

• Track every expense for 30 days — you'll be shocked where your money goes.

Why tracking matters more than rules:

• Rules are rigid. Life isn't.

• When you track, you see your own patterns — the ₹300 coffee habit, the random Amazon orders, the "small" subscriptions that add up to ₹3000/month.

• Awareness changes behavior faster than any rule.

I built a Notion-based budget tracker specifically for this — no complicated spreadsheets, just a clean dashboard where you log income, tag expenses, and watch your savings grow.

If you're tired of guessing where your money goes, come check it out.

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