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Generally, having an interest-earning savings account is good if you look for improving your financial health.

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The savings calculator is helpful in projecting the growth and future value of your money over a time period.

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The first step in making a desired savings plan is to set a savings goal.

Until you set a savings target, your efforts will be directionless.

Think about your savings target so that in future you are financially stable at an elder age.

In the interim you need to keep in mind the key life events like:

The next step in your savings plan is to know about your expenses and deducting the avoidable expenditures.

Keep a record of all the expenses in a month.

It should include all your expenses from a smaller one to a bigger one.

Once you record your expenses and you have a data, segregate your expenses under different heads like electricity, groceries, travel, etc.

Once you categorise your expenses under various heads, find out all the unnecessary spending in them and omit them as much as you can.

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You should also include the expenses that don't occur every month but on regular intervals like vehicle service, health checkup, etc.

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