From Broke to Budget Boss: How I Fixed My Finances in 90 Days

 Introduction Three months ago, I was broke. I had no savings, no investments, and no clue where my money was going. Every time I checked my bank balance, it was a disappointment. But in just 90 days, I completely changed my financial life—and you can too. This blog is a step-by-step guide to the exact habits, tools, and mindset shifts I used to go from financial chaos to confidence.

Week 1–2: Face the Financial Truth

1. Track Every Single Rupee I downloaded a simple money tracker app (Spendee, Wallet, or just used Google Sheets) and started logging every single expense.

  • Morning tea? ₹10.

  • Auto fare? ₹60.

  • Zomato binge? ₹340.

Why it worked: It made me painfully aware of my spending pattern. Awareness is the first step to control.

2. Calculate Net Worth (Even If It’s Negative) I listed everything I owned (bank balance, wallet cash) and everything I owed (debts, EMIs). The number was depressing—but motivating.

Week 3–4: Budget Like a Boss

3. Set a Realistic Budget with the 50/30/20 Rule

  • 50% Needs: Rent, groceries, bills

  • 30% Wants: Netflix, outings

  • 20% Savings: SIPs, emergency fund

Tools I used:

  • "Money Manager" App

  • Google Sheets Budget Template

4. Cut Out the Money Leaks I paused all subscriptions I wasn’t using. Cancelled auto-renewals. Switched from Uber to walking.

Saved: ₹2000+ in just two weeks.

5. Create a Bare-Bones Budget (Backup Mode) If things ever got worse, I created a Plan B budget that included only rent, food, and internet.

Week 5–6: Build the Financial Base

6. Emergency Fund First Before investing, I saved ₹10,000 in a separate bank account (not connected to my UPI apps). This was my cushion.

7. Start SIPs with Just ₹500/Month I picked low-risk index funds and started small.

Platforms I used: Zerodha Coin, Groww, Kuvera.

8. Side Hustle Started I offered content writing on Fiverr. First client paid $10. That $10 felt like ₹1 lakh.

Week 7–8: Automate & Optimize

9. Auto-Debit = Discipline

  • SIPs auto-debited on salary day

  • Bills set on auto-pay

  • ₹500/week auto-transferred to savings

10. Improved My Credit Score

  • Paid credit card bills on time

  • Reduced credit use to under 30%

  • Checked CIBIL monthly via OneScore

Week 9–12: Grow Financial Confidence

11. Learn Every Day I spent 15 minutes daily on YouTube channels like:

  • CA Rachana Ranade

  • Labour Law Advisor

  • Asset Yogi

12. Money Rules I Followed Religiously

  • 24-hour rule for any non-essential purchase

  • Saved every bonus, didn’t spend it

  • Reviewed budget every Sunday

13. Celebrated Small Wins

  • First ₹1000 saved? I treated myself (within budget).

  • Cleared a ₹5000 credit card debt? Big celebration.

Results After 90 Days

  • ₹15,000 in savings

  • ₹6000/month SIPs running

  • Credit score improved by 40 points

  • Side hustle earned ₹7000 extra income

  • Confidence level: 🔥🔥🔥

Conclusion: If I Can Do It, So Can You You don’t need to be an expert to fix your finances. You just need a plan, consistency, and a willingness to change. Start today. In 90 days, your future self will thank you.

Call to Action: Found this helpful? Share it with a friend who's struggling financially. Comment below: What's the first habit you're starting today?

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