Open a Zero-Balance Savings Account Separate From Your Salary Account
Your employer deposits your salary into one account. That account is for spending. Open a second account, most public sector banks and small finance banks offer zero-balance options, and label it mentally as the account you do not touch. Set up an auto-transfer of ten percent of your take-home salary to move there the day after payday. The amount is less important than the automation. Once the transfer runs without your decision, the money stops feeling available.
