");else if(O._boomrl=function(){t()},O.addEventListener)O.addEventListener("load",O._boomrl,!1);else if(O.attachEvent)O.attachEvent("onload",O._boomrl);d.close()}function a(e){window.BOOMR_onload=e&&e.timeStamp||(new Date).getTime()}if(!window.BOOMR||!window.BOOMR.version&&!window.BOOMR.snippetExecuted){window.BOOMR=window.BOOMR||{},window.BOOMR.snippetStart=(new Date).getTime(),window.BOOMR.snippetExecuted=!0,window.BOOMR.snippetVersion=12,window.BOOMR.url=n+"QXPAM-T95VV-K4J3D-TPZGB-7QASC";var i=document.currentScript||document.getElementsByTagName("script")[0],o=!1,r=document.createElement("link");if(r.relList&&"function"==typeof r.relList.supports&&r.relList.supports("preload")&&"as"in r)window.BOOMR.snippetMethod="p",r.href=window.BOOMR.url,r.rel="preload",r.as="script",r.addEventListener("load",e),r.addEventListener("error",function(){t(!0)}),setTimeout(function(){if(!o)t(!0)},3e3),BOOMR_lstart=(new Date).getTime(),i.parentNode.appendChild(r);else t(!1);if(window.addEventListener)window.addEventListener("load",a,!1);else if(window.attachEvent)window.attachEvent("onload",a)}}(),"".length>0)if(e&&"performance"in e&&e.performance&&"function"==typeof e.performance.setResourceTimingBufferSize)e.performance.setResourceTimingBufferSize();!function(){if(BOOMR=e.BOOMR||{},BOOMR.plugins=BOOMR.plugins||{},!BOOMR.plugins.AK){var n=""=="true"?1:0,t="",a="amkwrwaxgqvji2a6ouaa-f-dea565eb4-clientnsv4-s.akamaihd.net",i="false"=="true"?2:1,o={"ak.v":"39","ak.cp":"1465296","ak.ai":parseInt("912695",10),"ak.ol":"0","ak.cr":11,"ak.ipv":4,"ak.proto":"h2","ak.rid":"337f513","ak.r":42312,"ak.a2":n,"ak.m":"dscj","ak.n":"essl","ak.bpcip":"3.21.104.0","ak.cport":28927,"ak.gh":"23.52.41.148","ak.quicv":"","ak.tlsv":"tls1.3","ak.0rtt":"","ak.0rtt.ed":"","ak.csrc":"-","ak.acc":"","ak.t":"1746826496","ak.ak":"hOBiQwZUYzCg5VSAfCLimQ==5d0zvcGuhkQ5wObG5izJpBJen8Z7pfc0xNRDXEsY75XRFHghCChRtOAwMZBiQN9fHlid1NPuq41pbYf1gvnrQSL0P2AEMhBZFjUmhtL8mb3zSemRXdLYCo043TSQA/24Q4BBeAt8Ad4fKO+d1zWIF1a29/lSrLOGylMYJNAOijiQWX3BCsAcYVieOMAaQ0UAUATS9uCwa7Cv9V+TPT9V41EhedG4UnJKDKh0E+iKrqrLXD5VrYsACrDzeVO7O9s54rY2Ubm6202JGxjPKGnlKYNFqjao4y3fhN0RmXbm+GC2W3JmZ44E+xfrXNBpNVnQySlAG8DHNY7CdKM/FoU0heRUiIjao0tYU7/KWJ6J7CKZ69lHnlOrnf+8Q8Mj8MdoZrt3EC3pNG5Co4UmPaN4XClrTojD129ueI2i7ksfR4g=","ak.pv":"2","ak.dpoabenc":"","ak.tf":i};if(""!==t)o["ak.ruds"]=t;var r={i:!1,av:function(n){var t="http.initiator";if(n&&(!n[t]||"spa_hard"===n[t]))o["ak.feo"]=void 0!==e.aFeoApplied?1:0,BOOMR.addVar(o)},rv:function(){var e=["ak.bpcip","ak.cport","ak.cr","ak.csrc","ak.gh","ak.ipv","ak.m","ak.n","ak.ol","ak.proto","ak.quicv","ak.tlsv","ak.0rtt","ak.0rtt.ed","ak.r","ak.acc","ak.t","ak.tf"];BOOMR.removeVar(e)}};BOOMR.plugins.AK={akVars:o,akDNSPreFetchDomain:a,init:function(){if(!r.i){var e=BOOMR.subscribe;e("before_beacon",r.av,null,null),e("onbeacon",r.rv,null,null),r.i=!0}return this},is_complete:function(){return!0}}}}()}(window);
Stressed about finances? These 5 budgeting changes can help
07 May 2025
Financial stress can be overwhelming, but making a few simple changes to your budgeting habits can help relieve some of the pressure.
By focusing on practical adjustments, you can gain better control over your finances and reduce anxiety.
Here are five straightforward budgeting changes that can make a world of difference in alleviating financial stress effectively.
Track every expense
Expense tracking
Keeping track of every expense is critical for knowing where your money goes.
By recording each purchase, regardless of whether it's ₹10 or ₹1,000, you get an idea of spending patterns.
This way, you can see where you are overspending and make mindful decisions about where to cut back.
Set realistic goals
Goal setting
Setting realistic financial goals gives you direction and motivation.
Be it saving for an emergency fund or planning that long-awaited vacation, having clear objectives makes it easier to prioritize your spending.
Break bigger goals into smaller milestones to make it easier to achieve, and also keep up the momentum.
Create an emergency fund
Emergency savings
An emergency fund serves as a financial safety net in times of unforeseen circumstances such as medical expenses or car repairs.
Try to save at least three to six months' worth of living expenses in it.
Having this cushion minimizes the need for credit cards and loans during emergencies.
Use the 50/30/20 rule
Budgeting rule
The 50/30/20 rule is an easy-to-follow budgeting guideline that divides income into 50% for needs, 30% for wants, and 20% for savings or debt repayment.
This way, you make sure that your basic expenses are taken care of while leaving space for discretionary spending as well as savings growth.
Review regularly
Regular reviews
Regularly reviewing your budget keeps it in line with changing circumstances, like income fluctuations or new financial goals. Set aside time monthly or quarterly to assess your progress and make adjustments. Consistent reviews help keep you in control over finances and prevent unnecessary stress.