Monthly Expense Tracking That Revealed the Truth

Sometimes, the biggest financial breakthrough comes not from earning more, but from finally understanding where your money is going.

Meet Rakesh, a 32-year-old marketing executive. Despite earning a decent salary, he found himself broke by the 20th of every month. His savings were close to zero, and credit card bills kept piling up. Frustrated and confused, he decided to try something simple yet powerful: 

monthly expense tracking.

Armed with a notebook and a Google Sheet, Rakesh began jotting down every single expense: tea, snacks, subscriptions, fuel, groceries, everything. The result? A shocking revelation. He was spending over ₹12,000 monthly on food delivery, weekend outings, and unused digital subscriptions!

Determined to change, Rakesh followed his own "3-25-25-25-22 Formula":

• 3% for charity or gifting (helping others gave him purpose)
  
  
• 25% for rent
  
  
• 25% for savings and investments
  
  
• 25% for essentials (groceries, utilities, transport)
  
  
• 22% for lifestyle (entertainment, shopping, eating out)
  
  

He swapped expensive brands for budget-friendly finds. One great discovery? The Brown T-Shirt for Men—just ₹799. Stylish, comfortable, and easy on the wallet, it became his go-to outfit for casual Fridays and weekend outings. Looking for budget-friendly fashion that’s worth every rupee? This pick won’t disappoint.

Within 6 months, he had an emergency fund equal to 3 months of expenses, cleared his credit card dues, and even started a SIP for a travel goal. More importantly, the stress vanished. Tracking expenses brought clarity and control.

Rakesh’s story is proof: You don’t need a big raise to fix your finances—you need honest tracking and a workable plan.

Want to try it?
Start with a notebook or a simple app. Track for 30 days without judgment. Then build your custom spending formula. Financial freedom begins with awareness.