New Delhi, Sept. 7 -- Growing up, Shabana thought her mother worried too much about every rupee. Then her first salary disappeared before the month ended. Remembering those kitchen conversations, she tried five familiar habits. Each helped her spend less and put more money aside every month.

When friends suggested an expensive brunch, Shabana remembered her mother's advice not to copy neighbours. Someone else's spending should not decide how much you save. Instead of paying Rs.1,500 outside, she hosted a shared breakfast costing her Rs.500.

She immediately moved the remaining Rs.1,000 into savings. Her mother followed the same principle with clothes, celebrations and household purchases. Shabana realised cheaper choices mattered only wh...