5 Budgeting Mistakes Every Pakistani Makes (And How to Fix Them)

Educational post targeting common habits that block savings

🚫 Mistake 1: Not Tracking Expenses

Most people have no idea where their money actually goes. Without tracking, your money vanishes without you realizing it.

Fix: Use free apps like Monefy, Wallet, or even a notebook to track your daily spending.

Many Pakistanis plan their budget only till the next payday, which leads to constant stress.

Fix: Create a monthly buffer fund (even just Rs. 1,000 a month).

Rs. 100 here and Rs. 150 there may not feel like much — but they add up to thousands every month.

Fix: Audit your spending weekly and cut or limit small leaks.

When emergencies happen, many people borrow or sell things quickly because they didn’t plan ahead.

Fix: Save at least Rs. 500–1,000/month in a separate account — untouched.

That new phone might feel necessary — but often it’s just a want.

Fix: Always ask: “Do I need this or just want it?” before buying.

Use this free template to review your full month’s spending patterns.