How to Save Money in Pakistan — Even If You Have a Low Income
Struggling to Save Money? You’re Not Alone — But It’s Possible.
A lot of people think saving money is only for the rich.
But even if your income is limited, you can build a habit of saving — slowly but surely.
Here’s how to save money in Pakistan even with a low income:
1. Start With Just Rs.50 a Day
It may sound small, but Rs.50 saved every day becomes Rs.1,500 a month — and Rs.18,000 in a year!
Tip: Use a separate wallet, jar, or digital wallet (like Easypaisa/UPaisa).
2. Cut the “Choti Choti” Expenses
Those little things — daily chai, snacks, late-night delivery, etc. — seem small but add up fast.
Try tracking them for 7 days. You’ll be surprised how much you can save.
3. Say NO to Qist Wali Cheezain
Don’t get trapped in installment-based shopping.
It feels easy now, but it eats up your future income.
Instead, wait, save, and buy in full. Peace of mind is worth it.
4. Learn to Cook at Home
Food delivery is convenient but expensive.
Cooking at home saves money and is healthier too!
Even 2 fewer orders per week can save you Rs.2,000–3,000/month.
5. Use Budget-Friendly Shopping Days
Use discount offers on:
- Daraz 11.11, 12.12 Sales
- Grocery apps on Tuesdays
- Bank card offers (Meezan, HBL, JazzCash)
But only buy what you truly need. No impulse shopping.
6. Join a Committee (If Trusted Group)
Many families use committees (BC/Committee) to build forced savings.
Just make sure you trust the organizer 100%.
Final Advice:
Saving on a low income is not about how much — it’s about how regular and disciplined you are.
Start small. Build a habit.
Your future self will thank you.
What’s your favorite saving trick? Share in the comments!
— Smart Paisay Team
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