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

• Review and cancel unused subscriptions (streaming, apps, etc.) to save Rs 12,000-Rs 24,000 annually.
• Switch insurance (health, motor) and utility plans (broadband, mobile, DTH) for Rs 10,000-Rs 15,000 yearly savings.
• Use reward credit cards or cashback UPI for routine expenses to save Rs 5,000-Rs 15,000, ensuring full bill payment.
• Reduce avoidable bank charges like minimum balance penalties or debit card fees, saving a few thousand rupees.
• Utilize eligible tax benefits and automate savings transfers to reach Rs 50,000-Rs 1 lakh goal without feeling deprived.

Why It Matters: Optimize recurring costs, use smart spending, and leverage benefits to save significantly without lifestyle cuts.