Sep 10, 2024

How did Surbhi manage to exceed her savings goals and stay on track using Mool?

Surbhi had always struggled with saving, but Mool helped her not only meet but exceed her targets. By using Mool’s practical guidance and insights, she followed a personalised version of the 50:30:20 budget rule—a method where 50% of income is allocated to needs, 30% to wants, and 20% to savings.

Cut Back on Dining & Shopping

With Mool’s expense tracking, Surbhi realised she was overspending on dining out and shopping. By cutting back expenses worth Rs 5K, she saved more than her target for several months, boosting her savings faster than expected.

Tracking Needs vs. Wants

Mool’s real-time tracking helped Surbhi see exactly where her money was going. She became more mindful of spending on “wants,” like entertainment, freeing up more funds for savings.

Automating Savings

Mool set up automatic transfers for 20% of her income into her savings and investment accounts. By consistently saving and avoiding impulse purchases, she exceeded her savings goals without feeling deprived.


By following a structured approach and making smarter spending choices, Surbhi was able to not only stay on track with her budget but also surpass her savings expectations, all while maintaining a balanced lifestyle.