How I Built a 6-Month Emergency Fund on a ₹25k Salary (Spreadsheet)
Methodology I tracked every rupee for 14 months—PG rent, weekend biryani, and UPI cash-back.Surplus = salary – non-negotiables (rent, commute, utilities) – fun budget (₹ 3k).Side hustle (Notion templates) added ₹4 k 6 k/month → reinvested at 0% (cash under mattress).Float hacks: 45-day credit card cycle, UPI rewards, no-cost EMI on phone.Target: ₹1.5 lakh (6 … Read more