Budgeting

Track what comes in and goes out, and set savings goals you can keep.

Lesson 1

Tracking your income

Know exactly how much money comes to you each month.

3 minutes

Income is all the money you receive — from a job, a business, farming, rent, or help from family.
Write down every source for one month. Even small amounts matter.
Tip: Note income the day you receive it, so nothing is forgotten.
When you know your total income, you can plan with confidence.

Lesson 2

Tracking your expenses

See where your money goes — needs vs. wants.

3 minutes

Expenses are everything you spend on — food, rent, school, transport, phone, and more.
Split spending into NEEDS (must-haves) and WANTS (nice-to-haves).
Keep a small notebook or use your phone notes for one month.
Spending less than you earn is the first step to saving.

Lesson 3

Setting a savings goal

Turn 'I want to save' into a clear, reachable plan.

3 minutes

A goal has an amount and a date: e.g. ‘₹6,000 in 6 months for a sewing machine’.
Divide it: ₹6,000 ÷ 6 = ₹1,000 to save each month.
Keep savings separate — a different account or even a sealed box helps.
Celebrate small wins. Consistency matters more than big amounts.