Ping! 💰
Your phone buzzes with the best notification of the month:
“Salary Credited”
Before you rush into Swiggy, Amazon, or impulsive Insta buys, hit pause.
Let’s make this money work harder, not disappear faster.
Here’s your step-by-step post-salary ritual—powered by Vizzve Finance.
✅ Step 1: The Golden 50-30-20 Check-In
Use this formula as a compass:
50% Needs (rent, EMI, groceries)
30% Wants (dining out, streaming, trips)
20% Savings & Investments
Vizzve’s auto-categorization tool shows you where your money went last month—so you can tweak this month’s flow smarter.
✅ Step 2: Pay Yourself First (Yes, First!)
Before EMI, Zomato or Zara—pay your future self:
Auto-transfer 20% into Vizzve's SIP + savings wallet
Split between emergency fund, short-term, and long-term goals
Lock in at least ₹2000/month as your non-negotiable saving
Treat it like a bill you must pay.
✅ Step 3: Clear High-Interest Debts
Salary time = debt cleanup time.
Focus on:
Credit card dues
Buy Now Pay Later balances
Personal loans
Vizzve’s Debt Tracker prioritizes what to close first to reduce interest load.
✅ Step 4: Budget for the Next 30 Days
Use the salary moment to plan:
Grocery limits
Entertainment spend
Splurge quota (guilt-free!)
UPI controls & weekly alerts
Vizzve gives category-based limits, visual warnings when you’re near the edge.
✅ Step 5: Leave Some Room for Joy 🎉
No, we’re not against fun!
But make it mindful:
Fix a monthly “fun fund” (₹3000? ₹5000?)
Save for a concert, date night, or weekend trip
Preload a Vizzve pocket wallet to avoid going overboard
✅ Step 6: Review Goals & Investments
This is your once-a-month window to adjust:
SIP amount or date
Retirement fund contributions
New FD/RD creation
Insurance top-ups
One Vizzve dashboard. One scroll. Total control.
💬 Vizzve Explains
“Every salary is a chance to buy back time, peace, and freedom.”
Spend some.
Save more.
Invest regularly.
Review always.
❓ FAQs
Q1: I live paycheck-to-paycheck. Should I still save?
Yes—even ₹500 a month counts. Start small, grow with consistency.
Q2: Is it okay to spend first and save later?
It rarely works. Reversing the order usually means nothing is left to save.
Q3: Should I invest right after salary day?
Yes! Auto-SIP right after payday ensures you don’t accidentally spend your investment.
🧠 Final Thought
You work hard. Let your money do the same.
With Vizzve Finance, payday becomes plan day.
And every salary becomes a step toward financial stability, not spending regret.
Published on : 10th July
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
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🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.