67-year-old Suzuki from Japan has saved nearly ₹4 crore (approximately $1.5 million) by living frugally throughout his life. But now, at this stage of his life, he realizes that he has a lot of money, but no memories. No travel, no happy moments with friends, no experiences that can be a life story. According to him, life isn’t just about accumulating money; making it meaningful through experiences is the true source of wealth.

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Saving money is important, but living is even more important

Many people think that saving money is the ultimate goal, so they suppress their desires. Meanwhile, some people, every month, wish they had spent more carefully when their salary ends. In reality, saving and enjoying life are not mutually exclusive. With proper planning and thinking, you can balance both.

Make a budget a companion, not a burden

Savings begin with a budget, but don’t treat it like a punishment. Think of it as your companion, a guide to where your money is going. The 50/30/20 rule is most useful here. Spend 50 percent of your income on needs, 30 percent on wants, and 20 percent on savings. This approach gives you the freedom to enjoy life while also securing your financial future.

Spend Wisely

Sometimes, driven by emotions, we buy unnecessary things we don’t need. It’s important to recognize these and learn to say “no.” Eliminate unnecessary subscriptions and adopt the 48-hour rule. Think for two days before buying anything immediately. Often, this urge will subside, and savings will happen automatically.

Also, develop the habit of small savings. Put your spare 10 or 20 rupee notes in a piggy bank. At the end of the month, this same amount can become a source of small happiness.

Save first, then spend

As soon as you receive your salary, first put a fixed 20 percent of your salary into a savings or investment account. This rule strengthens your financial discipline. Set up automatic transfers in your bank app so that your savings are automatically deposited. Additionally, create an emergency fund equal to six months’ worth of expenses, so that in case of a crisis, you don’t have to tap into your debt or investments.

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Enjoying life is also important

Saving doesn’t mean giving up pleasure. The only difference should be that you spend smartly. Instead of taking friends out to an expensive restaurant, have a party at home. Instead of going to a movie hall, watch a movie comfortably at home.

Whenever you shop, wait for sales or discounts. Use credit card reward points and cashback wisely. And most importantly, avoid high-interest loans, as these slowly drain your hard-earned savings.