Save Rs 50,000-1 Lakh Annually Without Sacrificing Comforts

• Review and cancel unused subscriptions (streaming, apps) to save Rs 12,000-Rs 24,000 annually.
• Switch and reprice insurance (health, motor) and utility plans (broadband, mobile) for Rs 10,000-Rs 15,000 savings.
• Optimize payments using rewards credit cards or cashback UPI for routine expenses, yielding Rs 5,000-Rs 15,000.
• Reduce avoidable bank charges like minimum balance penalties and debit card fees, saving a few thousand rupees.
• Utilize eligible tax benefits and automate savings (SIPs) to accumulate Rs 50,000-Rs 1 lakh without feeling deprived.

Why It Matters: Achieve significant annual savings by optimizing existing expenses and financial habits, not by cutting comforts.