The 50/30/20 Rule vs. Zero-Based Budgeting

🧾 The 50/30/20 Method

• 50% → Needs (rent, bills, groceries)

• 30% → Wants (movies, dining out)

• 20% → Savings & investments

🔢 Zero-Based Budgeting

You assign every rupee a purpose — from your EMI to that coffee subscription. It’s detailed but powerful for those who love control.

⚖️ Choosing What Works

Ask yourself:

• Do I want ease or precision?

• Will I actually maintain it long-term?

Remember: the best budget isn’t the perfect one. It’s the one you’ll stick to without burnout.