SanMalli | Career, Technology & Student Life

How to Manage Money While Living in a PG: A Practical Budget Guide Moving to a new city for college or your first job can be exciting. You get more independence, but you also become responsible for expenses that may have been handled by your family before. When you live in a PG (Paying Guest accommodation), your money can disappear surprisingly quickly. Rent, food, transportation, mobile bills, shopping, weekend plans and unexpected expenses all compete for the same monthly income. The solution isn't necessarily to stop enjoying your life. It's to understand where your money is going and give every major expense a realistic limit. In this guide, you'll learn how to create a practical PG budget, reduce unnecessary expenses, build savings and avoid common money mistakes while living away from home. Why Managing Money in a PG Can Be Difficult Living independently changes the way you think about money. A salary or monthly allowance may look comfortable when it arr...

How Much Should an IT Fresher Save From Salary? Your first salary feels different. After months or years of college, placements, interviews, training and waiting for your first job, seeing your salary credited to your bank account can feel like a major milestone. And then the expenses begin. PG or rent. Food. Transportation. Phone bills. Shopping. Subscriptions. Weekend plans. Family responsibilities. Unexpected expenses. Within a few weeks, you may find yourself asking: "Where did my salary go?" If you are an IT fresher in India, you don't need a complicated financial system to get started. You need a simple system that matches your actual salary and lifestyle. So, how much should an IT fresher save from their salary? A reasonable starting target for many freshers is around 20% of take-home salary , with the possibility of moving toward 25% or 30% as expenses become more predictable. However, this is not a universal rule. Your ideal savings amount dep...

How Much Should an IT Fresher Save From Their Salary? Getting your first IT salary feels exciting—until the money starts disappearing. One moment you are thinking about saving your first salary, and the next you are paying PG rent, ordering food, travelling to the office, recharging your phone, buying things you need for work, meeting friends, and wondering where the rest of the money went. So, how much should an IT fresher save from their salary? There is no single percentage that works for everyone. For most IT freshers in India, a practical starting point is to aim for 10% to 20% of take-home salary . If your rent is low and your expenses are under control, you may eventually save 25% or even 30%. If you have expensive accommodation, family responsibilities, education loans, or other obligations, saving 10% or even ₹2,000–₹5,000 per month can still be a good beginning. The goal during your first year should not be to live an extremely restrictive life just to show a high ...