The practical use of frugality is not difficult. Spend less than you earn. It is advisable to deposit as much as possible in advance at the Postal Savings Bank. Even if there is only one rupee, dispose of yourself on the first date of the remaining month. Stay as close to expenses as necessary.

Buy any item with cash, it will keep you updated on how much money has been spent and how much is left. Don’t forget to do the work from that remaining rupee, remember this. He who gives his debt, not takes it, is rich.

Don’t even think about spending it until someone’s money gets into your pocket. As soon as you start the business you start earning, as soon as you give money on interest, the interest starts coming, after renting the house, you get rich from the rent, job is made, now you continue to earn – this things are uncertain. Every day there may be a new financial bottleneck for you. A little foolishness in business can lead to a loss of millions, there can be many reasons why the rupee drops in interest, the tenant can walk away without paying rent and the job can be missed every day. Everything is uncertain. Therefore, the money that you have in your hand, consider it your own, be ready to spend it, have hope for it. One must be very insecure about the rupee. Profit, profit, interest money, house rent is uncertain, but the borrowed rupee will stand upside down like an old man in Singhvad’s story.

A golden formula of domestic frugality is to keep a clean bill. Whatever you spend, even if it’s a penny, should be entered into it. Write down your income. Tracking revenue expenses is the best way to avoid wasteful spending. A smart person can understand their future needs from their budget and previous calculations. His household budget is balanced. His expenses are less than income.

John Wesley continued in this order. Although his income was low, he always kept a close eye on his income expenditures. A year before his death, he wrote in his diary with a trembling hand: “I have balanced my income and expenses in recent years. Now I do not want to continue this working process in the future, for now frugality has become a part of my habit and nature. Whatever I saved, it’s thanks to the habit of austerity. ‘

Your wife will also have to be thrifty, reducing the content of her beauty, hobbies and luxury. In fact, the woman’s responsibility is greater than the man’s. Many things are wasted in the house, which can save many days and work by saving. Food is overcooked and destroyed, clothes are sewn with benap, clothes are smeared and torn again, fakirs become donated heaps, pilgrimages, deceased rituals, flaunting pandas, priests, liars, and most importantly making ornaments – is spent in the blink of an eye. Seeing each other’s clothes and jewelry, wives are quickly tempted and pressure their husbands with debt. In a failed attempt to please women, thousands of people have been destroyed and their households turned into hell. Always be reluctant to make jewelry. It’s best to postpone it. Many financial problems can be avoided by showing the woman that they have financial problems and showing the budget. Give bill in woman’s hand. Just make a budget with it. Then if the salary ends on the 25th, let him experience the financial crisis with you. She will learn a new lesson from economic bitterness. The household in which women are frugal and sensible, hard-working, courteous and simple-minded is heavenly beautiful. Expensive woman, rich housewife, is dangerous for poor husband. The daughters of the big house are fashionistas, indiscreet, lazy, outspoken spenders. They become a headache for the poor husband.