How I Saved PKR 30,000 in 3 Months Without Giving Up My Lifestyle

A real budgeting guide for Pakistanis in 2025

Introduction – Let’s Be Honest First

Saving money in Pakistan right now feels nearly impossible.

Prices are climbing, bills keep piling up, and even a cup of tea outside costs more than it used to. But despite all that, I somehow managed to save PKR 30,000 in just 3 months — and the crazy part?

I didn’t cut off my weekend chai, hangouts, or Netflix.

I’m not some finance guru. I’m just a regular person who got tired of being broke before payday. If I can save money without losing my mind, you can too. Here's exactly how I did it.

Step 1: Know Where Your Money Is Going

Before I could save anything, I had to figure out where my money was actually going.

So I downloaded a free expense tracker (I used Monefy, but even Easypaisa wallet works). Every night, I’d take two minutes to log what I spent that day.

Here’s what I tracked:

• Daily chai/snacks ☕
• Rickshaw or bike petrol
• Mobile recharge
• Random impulse buys
• Subscriptions (Netflix, Spotify, YouTube Premium)

After 3 days, I realized I had already spent Rs. 480 just on snacks and delivery food. That was my wake-up call.

Step 2: Set Tiny Daily Goals (Instead of Big Monthly Ones)

The idea of saving “Rs. 10,000 a month” always felt impossible to me.

So I flipped it. I told myself:

“Just save Rs. 300 per day.”

It felt easier. More realistic. Less stressful. And guess what?
Rs. 300/day = Rs. 9,000/month = Rs. 27,000 in 3 months.

Some days I saved even more, so I crossed Rs. 30,000.

I used a second Easypaisa wallet just for savings. No notifications. Out of sight = out of mind.

Step 3: Weekly Check-In — No Guilt, Just Review

Every Sunday evening, I sat down for 10–15 minutes to review my week:

• Where did I overspend?
• What triggered impulse buys?
• Can I adjust anything for next week?

I didn’t beat myself up — I just made small changes. I used Google Sheets (free) to track patterns.

Step 4: Cut Smart, Not Hard

Most people think saving = cutting everything. Wrong.

I didn’t stop spending. I just replaced expensive habits with cheaper options.

Here’s what I swapped:

• Rs. 150 coffee → Homemade Nescafé (Rs. 20)
• Daily Foodpanda → One weekly treat
• Full Netflix bill → Shared plan with friends
• Gym fees → YouTube home workouts

This way, I saved money without feeling deprived.

Step 5: Use Auto-Save Features (Let Tech Help)

I set up Easypaisa’s auto-save function — Rs. 300 per day went straight to a savings wallet. I didn’t have to do anything.

You can also try JazzCash, Sadapay, or Savyour’s cashback wallet.

Seeing the money grow month after month was super motivating.

My 3-Month Savings Result

Month	Saved (PKR)
Month 1	8,000
Month 2	10,000
Month 3	12,000
Total	30,000+ ✅

Bonus: How to Beat Inflation in 2025

Inflation is real. Prices are crazy. But smart habits help you stay ahead.

Here’s what worked for me:

• Buy groceries in bulk — cheaper and fewer impulse buys
• Walk or use bike whenever possible
• Local brands > expensive imported items
• Use cashback apps like Savyour, GoLootlo, Daraz Wallet
• Say no to EMI traps — go cash-first

🎁 Free Download: My Budget Tracker Template

I created a simple Google Sheet budget template that anyone can use — even if you're not a finance person.

Track your income, daily savings, and weekly reviews. Super easy to use.

👉 Click here to download the free template

Final Thoughts

You don’t need a high-paying job or fancy apps to save money in Pakistan. You just need:

• Awareness
• Small daily goals
• Consistency

Give this a try — and let me know if it worked for you!