Taking a personal loan from CASHe can help you during financial emergencies—but repaying it on time without messing up your other monthly expenses? That requires smart budgeting.
The good news is that you can build a monthly budget that works with your CASHe EMI, without sacrificing your essentials or peace of mind. This blog will guide you through it, step-by-step—whether you’re a student, a first-time borrower, or a working professional.
Step 1: Know Your Loan Details (Because You Can’t Budget What You Don’t Know)
Start by listing down your CASHe loan information:
- Loan Amount: ₹____
- EMI Amount: ₹____
- Repayment Tenure: ___ months
- Due Date: ___ every month
- Interest Rate: ___%
👉 Tip: You can find all this in the CASHe app under “My Loans”.
This is your fixed commitment—your budget will revolve around it.
Step 2: Calculate Your Monthly Income
Next, note your monthly take-home income (after tax). If you have side gigs or freelance work, include that too.
| Income Source | Amount (₹) |
| Salary | 25,000 |
| Freelance Projects | 5,000 |
| Other (e.g. tutoring) | 2,000 |
| Total Income | 32,000 |
Now you know how much you’re working with.
Step 3: Track Your Monthly Expenses (Fixed + Flexible)
Split your expenses into two types:
✅ Fixed (essential):
- Rent
- Utilities
- Internet
- Loan EMI (CASHe)
- Transportation
- Groceries
✅ Flexible (non-essential):
- Food delivery
- Shopping
- Entertainment
- Subscriptions
- Travel plans
Use this sample layout:
| Category | Amount (₹) |
| Rent | 8,000 |
| Groceries | 3,000 |
| Transportation | 1,500 |
| CASHe EMI | 3,000 |
| Entertainment | 2,000 |
| Subscriptions | 500 |
| Miscellaneous | 1,000 |
| Total Expenses | 19,000 |
Step 4: Set Financial Goals Around Your EMI
To make room for your loan repayment without hurting other areas:
- Set a spending limit on flexible expenses (like ordering food twice a week instead of five).
- Create a repayment buffer of ₹500–₹1,000 in case your EMI increases or you’re charged late fees.
- Use auto-debit for CASHe EMIs to avoid forgetting due dates.
🧠 Pro Tip: Treat your CASHe EMI like your rent—non-negotiable and always on time.
Step 5: Adjust and Optimize
Now adjust your budget to fit in your CASHe loan smoothly. For example:
- Cut down OTT subscriptions temporarily
- Switch to public transport to save on fuel
- Find discount groceries or buy in bulk
- Take up small freelance gigs or weekend work
Every small adjustment adds up.
Step 6: Review Your Budget Monthly
Your budget isn’t “set it and forget it”—especially when you’re repaying a loan.
At the end of each month:
- Review your spending using apps like Walnut, CASHe itself, or Google Sheets
- Check if you went over budget
- See if you can pay a little extra on your EMI
- Set new targets if your income changes
Tracking and tweaking makes sure you’re always in control—not your loan.
Final Thoughts: Your Budget + CASHe = Financial Discipline
A CASHe loan can be helpful, but it’s your budget that turns it from a burden into a manageable monthly goal. With clear tracking, a bit of sacrifice, and regular review, you can stay on top of your EMIs and even grow your savings over time.
Remember: A smart budget doesn’t restrict your lifestyle—it empowers it.
Quick Checklist: Monthly Budget with CASHe EMI
✅ Know your loan terms
✅ Track income & expenses
✅ Prioritize your EMI
✅ Cut flexible spending
✅ Set financial goals
✅ Review every month
