Managing money isn’t about how much you earn — it’s about how wisely you spend, save, and grow it. That’s where the 5 Jar Method steps in — a powerful yet simple money management technique that works for everyone, whether you earn ₹10,000 or ₹1,00,000.
At Vizzve Finance, we love this method because it helps users turn chaos into clarity — one jar at a time.
🪣 What Is the 5 Jar Method?
It’s a budgeting system where your income is divided into five key categories ("jars"). Each jar serves a unique financial purpose:
Necessities (50%)
Savings (20%)
Education & Growth (10%)
Play/Leisure (10%)
Giving or Charity (10%)
This ensures you're living your present while preparing for the future — and still enjoying life.
🤝 Why the 5 Jar System Works for Every Salary Range
✅ It builds discipline — every rupee is assigned a job
✅ No guilt spending — leisure is part of the plan
✅ Balances today and tomorrow
✅ Stress-free saving — no more “whatever’s left” at month-end
✅ Adapts to any income size
🧮 Breakdown: What Goes Into Each Jar?
1. Necessities – 50%
🏠 Rent, groceries, bills, transport
💡 Keep this at or under 50% for stability.
2. Savings – 20%
📈 Emergency fund, fixed deposit, investments (Vizzve SIPs, mutual funds)
💡 This jar builds financial independence.
3. Education & Growth – 10%
📚 Courses, books, upskilling, workshops
💡 Investing in YOU is your highest ROI.
4. Play – 10%
🍿 Outings, gadgets, shopping, food delivery
💡 Spend guilt-free. That’s what this jar is for.
5. Give – 10%
🕊️ Donations, gifts for loved ones, social causes
💡 Giving makes money meaningful.
📲 How to Set Up Your Jars with Vizzve
💼 Auto-Split Salary Tool: Vizzve helps you assign % of salary to each jar
📊 Jar-wise Expense Tracker: See how much you’ve spent from each jar in real time
📅 Monthly Review Feature: Adjust jar limits based on your life changes
📥 SIP & FD Suggestions for Savings Jar
🎯 Goal Mapping: Link jars to short- and long-term financial goals
🔍 Real-Life Comparison:
If your monthly salary = ₹30,000:
₹15,000 – Necessities
₹6,000 – Savings
₹3,000 – Education
₹3,000 – Play
₹3,000 – Give
If your monthly salary = ₹1,00,000:
₹50,000 – Necessities
₹20,000 – Savings
₹10,000 – Education
₹10,000 – Play
₹10,000 – Give
Same method. Different scale. Same peace of mind.
💡 Final Thoughts: Build Wealth, One Jar at a Time
Money management isn't about sacrifice. It's about structure.
The 5 Jar Method ensures that you enjoy your present, secure your future, and stay stress-free about money.
With Vizzve Finance, the jars aren’t just theory — they’re tools that help you thrive in real life.
❓ FAQs
Q1: Do I need physical jars to use this method?
A: No — use digital wallets or Vizzve’s budget tool to assign virtual “jars.”
Q2: Can I adjust the jar percentages?
A: Yes. The method is flexible — if you have higher rent, you can shift a bit from another jar.
Q3: Is this method good for freelancers?
A: Absolutely. Irregular income works well with jars since you budget based on what you receive.
Published on : 19th July
Published by : SMITA
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