How to Start a Daily Savings Habit: A Beginner’s Guide to Saving ₹100 a Day in India (Even If You’re Broke)

 Introduction: Why Saving ₹100 a Day Can Change Your Life

In a world full of rising prices, financial pressure, and uncertainty, many people feel lost. You may be earning just enough to get by. Or maybe you’re a student, a housewife, or someone trying to build a life from scratch. And the idea of saving even ₹100 a day feels impossible.

But let me tell you something honestly:

Saving ₹100 a day isn’t about having money — it’s about building a habit.

It's not about where you are, but where you’re heading. Starting small and staying consistent is more powerful than waiting for “the perfect time.”

Let’s break this down step-by-step — in a way that makes it easy, even if you have no financial background.

Section 1: Understand the Psychology Behind Saving

Before we talk about how to save, let’s talk about why people fail to save:

They think it requires big money

Saving starts from ₹10, not ₹10,000. Small amounts build big results.

They don’t track money

If you don’t know where your money goes, you’ll never control it.

They live day-to-day

That mindset keeps people stuck. Daily savings build long-term discipline.

Let’s Do the Math Together: Why ₹100 a Day is a Game-Changer

₹100/day = ₹3,000/month

₹3,000/month = ₹36,000/year

₹36,000 invested = power of compounding (can grow to ₹50,000+ in 3–4 years)

This is just from ₹100/day.

Imagine combining this habit with side income — your future becomes powerful.

Section 2: How to Actually Save ₹100 Every Day — Even If You’re Broke

Here are 10 smart, practical strategies to save ₹100 daily without ruining your life:

1. Track Every Rupee You Spend (Use Free Apps like Money Manager)

You can’t save what you don’t track. Install:

Money Manager App

Walnut App

Google Sheets (if you like manual tracking)

Steps:

Note every chai, recharge, Zomato order — everything.

Do this for 7 days and you'll be shocked where money is leaking.

2. Cut ₹30–₹50 Wastage from Food/Online Orders

Let’s be honest —

Swiggy/Zomato, extra snacks, cold drinks = easy ₹50–₹100 wastage per day.

Solution:

Cook basic meals (even Maggi + roti works)

Plan your meals weekly

Keep one cheat day per week instead of random spending

Monthly Savings: ₹1,500+

3. Use Public Transport or Walking (₹20–₹100 saved daily)

Auto fares and cabs silently kill budgets.

Alternative:

Use buses/metro

Walk short distances

Cycle (health + wealth benefit)

4. Set up a Daily SIP of ₹100 (Force Save)

Most banks and apps now allow SIPs from ₹100.

Best Apps:

Groww

ET Money

Zerodha Coin

Steps:

Create free account

Link your bank

Choose any mutual fund (start with low-risk like SBI Bluechip)

Set SIP of ₹100/day (or ₹3000/month)

This auto-debits and builds discipline.

Section 3: How to Earn ₹100–₹200/Day from Genuine Apps (If You Can’t Save)

If you feel you can’t save because income is too low, then let’s create ₹100 daily from side apps. Here are the most genuine options in India (no scams):

1. Roz Dhan App – ₹50–₹300 Daily by Reading, Referring & Sharing

Roz Dhan is one of India’s most trusted money-earning apps.

Here’s how to earn from it:

Step-by-Step:

Download Roz Dhan from Play Store

Register using phone number and referral code

Get ₹50 instantly

Earn money by:

Reading news

Sharing articles

Referring friends (₹12–₹100/referral)

Daily check-ins

Minimum Payout: ₹200

Payout Mode: Paytm

2. Google Opinion Rewards – Earn ₹5–₹30 Per Survey

Yes, this is a real app by Google.

Steps:

Download “Google Opinion Rewards”

Sign in with your Gmail

You’ll receive short surveys

Answer honestly — earn Google Play credit

Not fast money, but easy & safe.

3. Task Mate by Google (Waitlist App)

Note: Currently in beta. Not always active, but if you get tasks, you can earn ₹50–₹500 per task.

Complete real-world tasks like clicking photos of shops, answering questions

Payments directly via bank transfer

Keep checking for new tasks if you’ve downloaded it.

4. Meesho App – Start Your Free Reselling Business

If you’re even a little social, this can give daily income.

Steps:

Download Meesho

Create an account

Choose trending products (clothes, kitchenware, etc.)

Share with friends on WhatsApp or Facebook

You earn commission on each sale (₹50–₹500)

No investment. No risk.

5. Facebook Groups / WhatsApp Reselling

Create a local group for deals or digital products:

Share links

Sell eBooks, courses, products

Use affiliate links (Amazon, Flipkart)

You can earn ₹100+ daily just by consistent posting.

Section 4: Automate Your Savings – The Smart Way

Once you earn or save, don’t let it sit idle. Use tools to automate and grow your money:

Best Auto-Savings Apps:

Jar App → Saves ₹10+ daily in gold

Navi App → Mutual funds + insurance

Fi App → Smart savings rules (like “save ₹50 whenever I order food”)

Section 5: How to Make This Habit Stick (Even on Hard Days)

Saving only works when you don’t quit.

Pro Tips:

Use a WhatsApp group with friends/family to track saving

Stick a Post-it on your wall: “Today’s ₹100 = Future Peace”

Celebrate small wins every 10 days

Remember: You’re not just saving money.

You’re changing your story.

Conclusion: Small Steps = Big Freedom

You don’t need to be rich to save.

You just need to be disciplined, consistent, and focused.

If you start saving or earning ₹100 a day today, your life will look completely different in one year.

So stop waiting.

Take action.

Build your ₹100 habit today.

Bonus Section: Daily Saving Hacks for Students, Housewives & Beginners

For Students:

Skip just one café coffee or cold drink a day.

Use campus WiFi instead of mobile data top-ups.

Participate in referral programs (like Paytm First Games, Dream11 responsibly).

Use Uni or Slice cards (with cashback) for essentials — but pay dues on time.

For Homemakers:

Save from monthly grocery budget using apps like Dmart Ready, Jiomart coupons.

Start small reselling on Meesho or GlowRoad with help of YouTube tutorials.

Join homemaker WhatsApp groups to exchange and resell unused items.

For Beginners With No Income:

Offer basic services on Fiverr or Internshala: content writing, Canva design, resume creation.

Learn skills for free on YouTube: Canva, ChatGPT prompting, Google Sheets automation.

Use ChatGPT to generate resume ideas, side business concepts, daily content.

Daily Mindset Shift: Build 'Lakpati' Thinking with ₹100

Saving ₹100/day builds:

Discipline: Most millionaires started by managing small amounts.

Delayed Gratification: Learning to wait for rewards sharpens life control.

Confidence: You'll realize you are not “broke”, you just needed structure.

Even if you lose everything tomorrow, this habit will keep you afloat.

Avoid These Mistakes When Starting a Savings Habit

Waiting for Big Salary to Start Saving

Truth: The more you earn, the more you spend. Build the habit now.

Thinking ₹100 is Too Small

A ₹100 saved daily = ₹36,000/year. That’s a new smartphone or emergency fund.

Using Piggy Banks Only

Save digitally too — in apps that give interest or investment options.

Spending Rewards Immediately

Treat your earnings as seed money. Reinvest in self-education or small businesses.

Real Story: How One Person Went from ₹0 to ₹60,000 in 1 Year Using Only ₹100 a Day

Riya Sharma, a 22-year-old student in Jaipur, started saving ₹100 a day from tuition and odd jobs.

She:

Used Roz Dhan and Google Rewards to earn ₹2,000 monthly

Saved ₹3,000/month in a SIP (Mutual Fund)

Took an online Canva course for ₹499

Started designing resumes for ₹200 per order on Instagram

Result after 1 year: ₹60,000+ saved and earned.

Now planning to launch her own digital course. And it all began with ₹100/day.