Being smart with money don’t need to include high-risk investments or having thousands of rupees in the bank account. It doesn’t matter what our present state is, we can be more economically savvy in our day to day life. Begin by planning a budget to stay within our incomes and rank our financial goals. Then, we can work on paying down our debt, structuring up our savings and making better expenses decisions. Can you guys tell me how to use our money in a smart way?