Archive · 23 Aug 2026
Finance Coach Shares Three Steps To Save While Repaying Debt
Many people pay monthly loan bills called EMIs and then have little money left.
Aruna Keerthy shared three ways to manage this problem.
First, people can reduce or pause one or two flexible expenses.
Second, they can avoid taking new loans while paying off current ones.
Third, they can put money from finished loan payments directly into savings.
Even ₹2,000 or ₹3,000 each month can be a starting point.
Part of a salary increase or bonus can also go toward debt or savings.
The goal is to create a little extra room and build consistent money habits.
Aruna Keerthy addressed people who have little money left after paying multiple EMIs.
She advised reducing or pausing one or two negotiable expenses to create financial breathing room.
She recommended avoiding new EMIs while existing debts are being repaid.
Keerthy said money from completed EMIs or expenses should be redirected into savings.
She suggested directing part of any salary hike or bonus toward debt repayment or savings before lifestyle spending increases.
- Who
- Personal finance content creator Aruna Keerthy shared the advice.
- What
- She outlined three steps for saving money while repaying debt through EMIs.
- When
- The article does not specify when the advice was posted.
- Where
- The advice was shared in an Instagram post.
- Why
- It was intended to help people who have little money left after paying EMIs create savings and repay debt consistently.
- Advice source
- Aruna Keerthy, described as a self-claimed personal finance expert and popular content creator
- First step
- Reduce or pause one or two negotiable expenses
- Second step
- Stop taking on new EMIs while clearing existing debt
- Third step
- Redirect money from ended EMIs or expenses into savings
- Suggested starting amount
- ₹2,000 or ₹3,000 per month
- Salary increases
- Direct a portion of a salary hike or bonus toward debt repayment or savings
- Main objective
- Create financial breathing room and build consistent money habits