How do I make a monthly budget?

List income, then fixed costs like rent and bills, then flexible spending. Put savings in first and give every rupee a job. Review at month end and adjust. A simple notebook or free app is enough.

Write your income, then fixed bills, then a realistic amount for food, travel and fun. Put savings first, not last. Use a notebook or free app and check weekly for ten minutes. Adjust the numbers each month based on what really happened.

Use a simple three-column sheet: income, must-pay bills and everything else. Fix the saving amount first. At month end, compare plan with reality and adjust one category. Do not try to cut everything at once.