Last updated: June 8, 2025
Written by: Rafiul Hasan
Let’s be honest — personal finance can feel super overwhelming when you’re just getting started. I used to think budgeting was only for people with six-figure incomes or families with three kids. But the truth is, whether you're earning ৳10,000 or ৳1,00,000 a month, the basics of managing money stay pretty much the same.
I’m not a millionaire (yet 😅), but I’ve picked up a few simple money habits over the years that helped me stop living paycheck to paycheck — and I genuinely believe anyone can do the same in 2025.
Here are five simple, beginner-friendly personal finance habits to build this year. No fancy tools. No financial jargon. Just real stuff that works.
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| 5 Simple Personal Finance Habits to Start in 2025 |
1. Track Every Taka You Spend — Yes, Every Single One
Okay, I know it sounds boring. But trust me, this is the habit that changed everything for me.
When I started tracking my spending, I was shocked by how much money I was spending on food delivery, random bKash charges, and impulse shopping. I used Google Sheets at first, then switched to an app called Wallet. There are plenty of free options out there — use whatever you’re comfortable with.
Once you see where your money is going, you’ll automatically start thinking twice before making random purchases.
Pro tip: Don’t aim for perfection. Just be consistent. Even if you forget one or two days, keep going.
2. Follow the 50/30/20 Rule (Or Any Rule That Works for You)
You’ve probably heard this one before — and for good reason.
The 50/30/20 rule breaks your income down like this:
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50% for needs (rent, food, bills)
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30% for wants (Netflix, eating out, hobbies)
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20% for savings and debt repayment
If your income is irregular (like freelancing or project-based work), just apply this rule after calculating your monthly average income. I personally tweak mine to more of a 60/20/20, since Dhaka rent is no joke.
Don’t worry about getting the exact percentages. The idea is to be mindful of how you split your money.
3. Start an Emergency Fund — Even If It’s Just ৳500/Month
If there's one thing 2020 (and honestly every year since) taught us, it’s that life is unpredictable. Job loss, medical issues, sudden repairs — stuff happens. That’s why having an emergency fund is so important.
You don’t need to save ৳1,00,000 right away. Start with what you can — even ৳500 a month adds up. Put it in a separate savings account you don’t touch for daily stuff.
My tip: Rename the account to something like “DO NOT TOUCH 🚨” — worked wonders for me 😂
4. Set One Financial Goal (And Write It Down)
In 2024, my goal was to save enough for a secondhand laptop — nothing too fancy, just something better than my dying one. I wrote it down on a sticky note and stuck it to my wall. Every time I felt like buying stuff I didn’t need, I’d see that note.
This year, maybe your goal is:
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Paying off a credit card
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Saving for a trip
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Starting a side hustle
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Buying your own phone without an EMI
Whatever it is, be specific and set a deadline. You’d be surprised how motivating it is to see your own progress.
5. Learn About Money Every Month (Even Just One New Thing)
You don’t have to read a whole finance book or take an MBA course. But do try to learn something small about money every month.
Some things I picked up last year:
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How compound interest works
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The difference between a savings account and an FDR
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Why having a credit card can be good if used responsibly
There are tons of great Bangla and English YouTube channels, podcasts, and blogs out there. Just make sure they’re giving you legit, balanced info — not “get rich quick” scams.
Knowledge = power. Seriously.
Final Thoughts
If you’re just starting out in your personal finance journey, don’t stress about doing everything perfectly. These five habits might seem small, but they create a strong foundation over time.
Start slow. Stay consistent. Be kind to yourself.
It’s not about being rich — it’s about feeling in control of your money. And honestly, that feeling? Worth every taka.
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| 5 Simple Personal Finance Habits to Start in 2025 |
About the Author
Rafiul Hasan is a 25-year-old freelance content writer from Dhaka who learned personal finance the hard way — by making a ton of mistakes. Now, he shares simple, no-BS money tips to help others avoid the same traps. When he’s not writing, he’s probably sipping cha at TSC or watching budget breakdown videos on YouTube.
Disclaimer: This article is for informational purposes only. Please consult a licensed financial advisor for personal advice.
