How to Start Saving Money in Pakistan with Just Rs.100 a Day

 Starting to save money in Pakistan with just Rs.100 a day is totally doable. You don’t need to make huge sacrifices or follow complex plans. Sometimes, just saving a little each day is all you need. In a place like Pakistan, where inflation can hit hard, learning to save wisely is super important.

So, let's talk about that Rs.100 a day. It might seem small, but it adds up! Over a month, that’s Rs.3,000, and in a year, you’re looking at Rs.36,000. And honestly, that’s enough to:

Kickstart an emergency fund

Invest in mutual funds like Meezan, UBL, or NBP

Take a short course to pick up a new skill

Get a used smartphone or a basic laptop

The goal isn’t to get rich overnight. It’s really about creating a habit that turns saving into something normal in your day-to-day life.

Now, let’s be real. A lot of folks in Pakistan think they'll start saving when they have some “extra” cash. But let’s face it, that extra cash hardly ever shows up. Some people aim too high and promise to save big right from the start, only to ditch it after a bit.

So here’s a better plan: save first, then spend. Even if it’s just Rs.100, put that away before you even think about using the rest. Treat that savings like a must-pay bill, just like your phone or electricity.

Saving Rs.100 doesn’t mean you have to give up all your fun. Here are some simple changes that real people can stick to:

Skip one chai and samosa a day

Walk or hop on a bus instead of booking a ride

Cook one extra meal at home instead of ordering out

Use JazzCash or EasyPaisa discounts when shopping, they really help

Cut back on those extra data bundles for a week

These little tweaks can help you save without feeling like you’re missing out on life.

Now, don't just stash your money under the mattress or in your wallet where you can easily blow it. Think smarter about where to keep it:

Digital Wallet: Use EasyPaisa or JazzCash and set a daily savings goal in the app.

Bank Account: Check with your bank about savings options with no fees.

Cash Envelope System: Label a simple envelope and treat it like your own bank.

Small Group: Team up with trustworthy friends or family who want to save too.

Just make sure whatever you choose is separate from what you spend daily.

Once you’ve saved for a few months, you’ll probably have around Rs.9,000 to Rs.12,000. Don't let it just sit there. Use it to help yourself grow:

Mutual Funds: Places like Meezan and UBL have options starting from just Rs.500 a month.

Gold: Even small amounts of digital gold can appreciate over time.

Online Courses: Platforms like DigiSkills or YouTube can teach useful skills that make money.

Micro Startups: You could sell snacks, handmade goods, or even offer simple digital services.

Savings are most powerful when they help you move forward.

To make saving a daily thing, here’s how to stick with it without burning out:

Keep a little diary or use a notes app to track your daily savings.

After 30 days, treat yourself— even a small reward is a win.

Grab a friend or sibling and turn it into a mini challenge.

Keep a picture of your savings goal, like that bike or trip, as your phone’s wallpaper.

You’ll find that motivation grows when you see progress. Soon enough, saving won’t feel like a chore at all.

Take Sara, for example. She's a 22-year-old student from Karachi. She started saving Rs.100 a day from her allowance. Four months later, she had Rs.12,000 saved up. She used that money to take a basic design course, learned how to use Canva, and began creating social media posts for local businesses. Now she’s earning some extra cash each month, sometimes over Rs.7,000, all from that tiny start.

Her story is just one of many that show what you can achieve.

Saving money in Pakistan isn’t just a smart move; it’s also a safety net for the unexpected. Whether you’re a student, working, or a stay-at-home parent, starting with Rs.100 can help you take charge of your future.

So why not start today? Stick with it for a month, and watch how your mindset and wallet start to change.

Thanks for stopping by SmartWealthly, your spot for real-life finance tips that are easy to understand.How to Start Saving Money in Pakistan with Just Rs.100 a Day