I have been laid some rules in me to save and also enjoy at the same time.

Things to say “NO”

1. Credit card - This is just a simple plastic card but dangerously an money spender, Seen people spending just to earn bonus points.
2. Postpaid sim - Always choose prepaid sim where the customization can be done and based on amount you will spend and there is no fine on late payment.
3. Loans - Never ever take loans and pay hefty interests, Alternatively always keep emergency funds.
4. Never keep all savings in single bin, Spread in FD, MF, Property, Gold, bonds.
5. Gadgets - Don’t change the smartphones regularly and technology changes in faster pace and keeping update with it looses more money.

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Things to “AVOID”

1. Shopping - Better to buy clothes and apparels in local shop instead malls, As malls are always expensive.
2. Food - Try to always cook your food instead going restaurants, Once in a week/month would be fine visiting restaurant.
3. Transportation - Instead using cabs, Try using car pooling apps and public transportation.
4. Car and Bike - While buying the vehicles look for Mileage instead luxury as costlier one also carries a costly maintenance bill.
5. Avoid lending money to people until you are sure that it will be back in stipulated time.
6. Pets - Nowadays maintaining pets are costlier than human beings and let them be free instead keeping in cages, Alternatively grow plants, trees and look after them.

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Things to “Follow”

1. Use the promotional android applications which pay some bonuses (monthly prepaid recharges can be easily done through those).
2. Always keep some secondary income and make sure you are earning even while sleeping(Ex: FD, RD, MF these pay intrest in regular basis).
3. Try to fix the things yourself like servicing bike, Watch battery replacement,Pressing clothes, electrical items. (These things reduces small amounts but in long run it will impact the savings).
4. Always maintain a portfolio to keep track of your savings and maintain double digit annual portfolio returns.
5. Use tax filing with more effectively like using Rental agreements, Mutual funds, Insurance, Food and leisure bills.
6. Planning for trip always try going in groups which reduces expenses on the sharing basis.
7. Learn something new, which makes your profile go up in market.
8. Have healthy food like consuming more veggies, fruits, cereals and pulses which increases your immunity and decreases illness.
9. Try to save money first and then spending, this makes savings more and spending less.
10. Always keep emergency funds in Fixed deposit which can be liquidated anytime and I suggest to keep in different denominations like 3 Fd with 10K, 25K and 65K instead of 1L Fd, Eg: (If you need 5K then easily you can liquidate 10K one instead of liquidating 1L).
11. Many theories explained renting is better than buying a flat, This is left to you as people have different mentalities.
12. Always wash your clothes with pressing and keeping in wardrobe makes you feel good, Instead if you are dumping in laundry bag and in a week you feel you have less clothes to wear(Shopping comes in mind).
13. Never waste food, Cook how much you need and if left over then reheat and eat.
14. Grow plants and trees which yield fruits and veggies and reduces your grocery budget amount.
15. Start saving as early as possible either its less or more, Save it and earn good returns in long run.

I will be updating as I learn something new in savings.

Learn more about Compounding and doubling money inspirational story → Suman's answer to What are some financial tips that everyone should know?