How I Saved 75% of My Family Income

My active and passive monthly average income is Rs. 30,000, based on a 12-month track record. My father’s government pension is about Rs. 70,000 per month. So, our total family income is Rs. 1,00,000. In our family, we also have two cows and kids. That is the simple data of our family and our family income.

Now the important question is: How did I save 75% of my family income?

1. Big Financial Goal-Based Saving Law

I fixed a big financial goal for 10 years. On 24th August 2035, I want a net worth of Rs. 4 Crore. Today, I already have Rs. 1 Crore+ net worth, and I need Rs. 3 Crore more.

With only bank savings of Rs. 75,000 and interest, I can reach Rs. 1 Crore in the next 10 years. But to beat inflation, I need Rs. 3 Crore extra. So, I decided to direct savings into 50% investments and 50% bank savings. After 5 years, I will convert 50% of those savings into real estate. With this, we are confident we will achieve Rs. 2 Crore extra net worth in 10 years, and our current Rs. 1 Crore will also grow to Rs. 2 Crore.

This became our burning desire. We are ready to sacrifice unlimited desires because we are thinking big. If we grow the tree, we will have unlimited fruits to fulfill unlimited desires.

Remember:

Clear vision = more discipline to stay at 75%.

2. Expenses Resource Investment Law

In this world, what you pay as expenses becomes the income of another person who has resources, knowledge, and skills. Since our goal of saving is clear, instead of paying expenses, we invest in those same resources, knowledge, and skills. With this, we have achieved a 75% saving rate per month.

Example:

 We have two cows at home, so we save on milk and energy expenses.

For the last 1 year and 9 months, we have not bought milk. The market value of organic milk is Rs. 100 per kg, and we get a minimum of 3 kg daily. This saves Rs. 9,000 monthly.

 Cow dung helps us reduce gas usage. We boil vegetables on cow dung cakes and need gas refills only once in 4 months.

Fruit trees also save us money. Last month, we harvested more than 10 kgs of guavas and saved the same amount of money.

 3. Simple Lifestyle Law

For the last 20 years, I have followed a simple lifestyle. The law is simple: if you maintain the same lifestyle as when your income was zero, you can save 100%. But usually, when income increases, ego increases, and people buy useless things as a status symbol. Stop this. Keep life simple and desires minimal. That’s how we succeeded in saving 75%.

I was inspired by Mahatma Gandhi, who sacrificed for the nation and lived a minimalist life.

* He spun his own cloth from cotton and wore it. Similarly, we save money by not buying new clothes unnecessarily. Promise yourself not to buy clothes for 1 year—you will save Rs. 12,000 and invest it. In 10 years, the returns will be enough to buy clothes daily if needed. For torn clothes, use a sewing machine at home.

* Gandhi also treated his illnesses naturally with walking, mud therapy, and organic food. I did the same, and in 20 years, I saved thousands in medical costs, which I invested to grow wealth.

Remember:

Expenses rise with income. Beat it by locking lifestyle at a fixed level. Send 100% of income growth directly into savings until you surpass 75%.

4. Habit of Saving

I developed a strong saving habit. At the beginning of every month, we set aside 75% of our family income. For example, from Rs. 1,00,000, we save Rs. 75,000 and keep only Rs. 25,000 for expenses. Even if my personal income is less in a month, the 75% rule always applies.

We save through:

• RD accounts (auto-deducted from our savings account in the first week of every month).
• SIP plans in gold, mutual funds, stock market, real estate, and our own business.
• Long-term FDs (8.5 years for doubling the amount).
• Post office RD (already 5 years of nonstop saving).

Remember:

Saving is a habit. Automate it to happen first (not last). Transfer 75% directly into savings and live on the rest.

5. Emotional Expenses and Loss Tracking Law

We record all expenses daily and divide them into **logical** or **emotional**. Any emotional expense becomes a lesson—we stop repeating it in the future. Our budget is strict and focused only on three basic needs: food, clothing, and home.

Remember:

Record your daily expenses. Identify emotional spending and cut it to save more.

6. Pause and Think Rule

Sometimes emergencies happen, and spending feels urgent. In such cases, we pause for 48 hours. If the emergency passes, we avoid the expense. If not, we use only our 25% consumption fund.

Example:

 Our inverter battery stopped working, and replacing it cost Rs. 5,000. Electricity was gone in summer, so it felt urgent. We waited 2 days, and the issue resolved temporarily. We postponed the purchase until the next month and used that month’s consumption fund. This way, our saving habit remained unbroken.

Remember:

If a purchase feels urgent, wait 48 hours. If you overspend, cut from another category.

7. Smart Spending Law

We spend only on needs and mindful wants. Luxury spending stays in strict limits.

Example:

Instead of upgrading our car immediately, we postponed it for 2 years. With income growth, we will save for it first and only then spend.

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