The common problem we face with money is to not save it. We should develop the habit of saving, Let it start from 1000rs/ month. Save for 3-6 months. Then spend 50% of the money on things you love. This will give you satisfaction. After that, increase your savings by 1500rs/month. The gradual increase in the savings will help you in a long run. Also, read/learn more on investments. Invest in assets and not in liabilities. Buying a car is not an investment but an liability. Investment on mutual funds, share markets. As said earlier, read the documents properly/ learn more on investments. Do not keep your money in the bank. Savings account is a total rip off. Trust me, banks uses our money for their own good. Hope this helps.