When Your Pay Doesn’t Arrive on Time…
You check your account.
Still no salary.
The bills are due, groceries are low, and your UPI apps aren’t smiling.
Welcome to the modern nightmare: delayed salaries.
Whether it's due to startup cash flow issues, project delays, or admin errors—a late salary can throw your entire month into chaos.
But don’t panic. Here’s your 3-step emergency money plan that most people forget—but smart earners with Vizzve never miss.
🚨 Step 1: Prioritize Your Essentials—The “Minimum Viable Life” Budget
When your income is delayed, your first move is to protect the basics. This is your MVL (Minimum Viable Life) budget.
| Category | Expense Cap Example (₹) |
|---|---|
| Rent/Loan EMI | ₹10,000–₹15,000 |
| Utilities + WiFi | ₹2,000 |
| Groceries | ₹3,000–₹4,000 |
| Transport | ₹1,000 |
🎯 Total Survival Spend Target:
₹18,000–₹25,000 (depending on city)
💡 Vizzve Tip: Use Vizzve’s Emergency Budget Mode to automatically switch categories, pause non-essentials, and stay on track.
🏦 Step 2: Activate Your 3 Emergency Levers (Not Just One)
Most people go straight to loans. Don’t. Here’s a smarter order:
✅ 1. Tap Your Emergency Fund (If You Have One)
If you’ve been saving 10–20% monthly via Vizzve’s Auto-SIP, dip into this first.
Even ₹10,000–₹15,000 can buy time.
✅ 2. Use Credit—But Strategically
Use credit cards only for needs (groceries, medicines, utility bills)
Avoid withdrawing cash—high interest starts immediately
Repay in full once salary hits to avoid 42%+ APR
💡 Vizzve Insight: Vizzve’s Credit Score Protector alerts you before you hit risk zones.
✅ 3. Explore Employer or Peer Loans (With Terms!)
Ask HR for an advance. Or borrow from friends with repayment dates and receipts.
Keep it transactional, not emotional.
📈 Step 3: Freeze Non-Essentials + Trigger Short-Term Income
This is where most people lose the game—they continue with normal lifestyle expenses despite the cash crunch.
Pause immediately:
OTT, Zomato Gold, gym auto-debits
EMI top-ups or extra SIPs
Online shopping splurges
Travel plans, staycations, etc.
And activate these:
| Option | Income Potential (₹) | Timeline |
|---|---|---|
| Freelance gigs (Fiverr, Upwork) | ₹5K–₹25K | 3–7 days |
| Rent out unused gadgets/home items | ₹1K–₹5K | 1–2 days |
| Sell old tech/books | ₹2K–₹10K | 2–3 days |
| Vizzve “Flash Freelance” Board | ₹1K–₹7K | 24–48 hrs |
🧠 Bonus: Create a “Salary Delay Buffer” Fund
After this crisis, build a buffer fund of 1 month’s expenses using Vizzve’s:
💸 Goal Tracker
📅 Auto-EMI Planner
🔁 Recurring SIP Setup
This way, the next delay won’t feel like a disaster.
🧾 FAQs: Salary Delayed in India
Q1. Is salary delay legal in India?
Companies must pay by the 7th of each month (as per Payment of Wages Act), else it can be escalated to labour authorities.
Q2. Should I take a payday loan?
Avoid high-interest loans. Use emergency funds, peer loans, or credit cards with caution first.
Q3. What if I have no savings?
Prioritize needs, explore freelance income, and use Vizzve’s Emergency Mode to control spending.
Q4. How can Vizzve help with salary delays?
Vizzve offers tools like emergency budgets, SIP pause options, cashflow predictors, and short-term freelance alerts.
Q5. What should I communicate to my landlord?
Be transparent, provide an expected date, and offer part-payment with a written plan.
Published on : 14th July
Published by : SMITA
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