Hi, I am Kinny and would like to differ from the suggestion made to the first question. I dont think Jaideep should look for a higher paying job- you anyhow have a job that pays u good- You need to focus on building assets-something that'll put 'money in ur pocket' as Robert Kiyosaki says in Rich dad Poor Dad'. I do agree,however, that, you should look at opening a recurrent Deposit account that would force u to save and inculcate a sense of discipline. Also, u may want to look at investing in the Mutual Funds-look for a brand for low risk because I think they offer a better return than any RD a/c would over an year...My Suggestion: read 'Rich Dad, Poor Dad" it will change ur outlook towards money and that u need to earn more to be rich..You need to put money to use so that it works for you parallel to ur current job-so u will have 2 income sources..God bless you with money !