Section outline

  • Managing Your First Salary to Your Current One 💼💳

    Your first salary often feels like magic — you finally earn your own money! But whether you're earning ₹10,000 or ₹1,00,000 per month, the golden rule is this: how you manage money matters more than how much you make. Let's explore how working women can build strong habits from the start and grow with every raise.

    • 🔹Your First Salary – What to Do Right

      • 🏦 Split into 3 parts: Spend (50%) | Save/Invest (30%) | Learn/Give (20%)
      • 📱 Use simple apps like Walnut or Money Manager to track your first few months
      • 💡 Start a SIP (Systematic Investment Plan) even with ₹500/month — get used to "paying yourself first"

      Your first few months set your lifelong pattern. Build it right from the start.

    • 🔹 Growing with Your Salary

      • 📈 Every time your salary increases, increase your investments too — not just your spending
      • 📊 Maintain a basic sheet to track net worth (income, savings, debt)
      • ⏸️ If you take a break (maternity, sabbatical), plan 6–12 months of expenses in advance

      Small consistent actions—like setting up automatic transfers or reviewing expenses monthly—can make you feel in control, not confused. ✨

      🌸 Final Thought

      Whether you’ve just started earning or have 10 years of experience, money management is a skill, not a subject you “should have learned earlier.” And the best time to take control is now.