Have you ever wondered how to save money with a 20,000 salary, with your bills, EMIs, and other expenses waiting for you? If so, you are not alone. While a 20k salary presents challenges, it also encourages smart budgeting and creative ways to manage rising living expenses.

Influencing everything in our lives, money plays a prominent role in our day-to-day activities and interactions. However, are we all aware of the effective ways to manage and utilise our financial needs?