Restaurant hopping/ordering-in lunches
Every time you eat out or order-in, you're spending about Rs 200 to 400. Add that up for a month and you're talking about a lot of money. Money that is being wasted because you didn't plan ahead. So be a little firm with yourself. On weekends, decide the menu for the week ahead and pick quick, easy dishes that you can bring for lunch. That's not to say you can't indulge yourself once in a while.
Daily latte
Those daily Barista or Café Coffee Day lattes and cappuccinos are a steady trickle of money out of your wallet. So break the habit, brew your coffee at home, drink a cup or two, fill up a thermos and take it to work. You're then set for the day.
Expensive cellphone plan
Go through your phone bill. Do you use all the things you are paying for? Do you understand all the various things you are being charged for? If not, call up your service provider and find out. Many people get excited and register for extra features that they ultimately never end up using. Cut back on those things or find a better plan based on your usage pattern.
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