The first step for you should be to clear your credit card dues from your existing savings. I have 3 credit cards and my total monthly bill is ₹65,000-80,000. —Anshul DasThe only good thing you are doing is to not letting the credit card payments turn in an EMI, i.e. The credit card payment on a monthly basis is equal or even more than your monthly salary. But before that you need to reduce your number of credit cards from three to one or even close all your credit cards and move to spending via debit cards.

Source: Mint October 16, 2018 03:56 UTC