How to Start Budgeting Without Any Income in 2025

Why Budget with Zero Income?

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Track Every Rupee You Get

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List Fixed & Flexible Expenses

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Create a Basic 50/30/20 Plan

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Set Financial Goals

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How to Start Budgeting Without Any Income in 2025

Smart Tips for Students & Beginners

Why Budget with Zero Income?

without money, budgeting builds awareness. 1.Helps control spending 2.Builds financial discipline 3.Prepares you for future income

Track Every Rupee You Get

Note every small source: 1.Pocket money 2.Freelance gigs 3.Scholarships 4.Gifts

List Fixed & Flexible Expenses

Split into: 1.Essentials: Data, food, commute 2.Optional: Subscriptions, shopping

Create a Basic 50/30/20 Plan

50% – Needs commute 30% – Wants 20% – Save (from gifts, scholarships)

Set Financial Goals

Example Goals: Save ₹500 for books Cut ₹200 monthly OTT spend