Karan is an unmarried millennial who is also an urban dweller of one of the metros of India. Due to his resident city, he is spoilt for choices and services available to him at his doorstep or with the simple tap of a button on his smartphone.

Karan's expenditure varies from weekly expenses like groceries to occasional indulgences like fine dining and traveling. While Karan has a taste for all good things, he is a smart spender who uses Empuls Discounts frequently to maximize his savings.

Here's a detailed insight into Karan's monthly and annual spending versus the money he can save on each expense.

Monthly Expenses

Days 1 - 10

Groceries, utility bills, occasional commute to work, and toiletries take up the lion's share of Karan's recurring spending.

Groceries at the start of the month usually cost Rs.5000 on average, so Karan uses the 6% discount available for Bigbasket to start the month on the right note.

Money saved on groceries = Rs.300

For toiletries, Karan buys quality products from Bath & Body Works that cost around Rs.1500, and he also saves with an 8% discount.

Money saved on toiletries = Rs.120

During pay week, weekend outings and trips significantly affect Karan's expenses. However, he saves on those costs too. Movie tickets for 2 cost up to Rs.1200, so Karan utilizes the 9.5% off he gets on BookMyShow.

Money saved on movies = Rs.114

Karan commutes 3 times a week to work using Uber. Including his weekend trips to catch up with friends, he spends a total of Rs.6000 per month on Uber and utilizes a 3% discount from Empuls to save on commute costs.

Money saved on movies = Rs.180

Days 11 - 20

This is a comparatively lighter patch of the month where Karan is most likely to refill his groceries or might buy a couple of things off e-commerce platforms.

Karan's grocery spending at Swiggy Instamart, which has a discount of 5.5% does not exceed more than Rs.2500

Money saved on groceries = Rs.150

Karan spends Rs.4000 for 2 shirts on Myntra, for which he avails a discount of 8.5%.

Money saved shopping online = Rs.340

A weekend dine-out to catch up with friends costs around Rs.3000 for 2 people. Karan loves Chinese, and Mainland China has a 10% discount.

Money saved on a dine-out = Rs.300

Days 21 - 30

This is a period of low spending.

Healthy breakfast mixes, nuts, and other essential groceries continue to be a part of the weekly expenses. The maximum spend on groceries is around Rs.3000. A 9.5% discount at True Elements offers the much-needed month-end support!

Total money saved = Rs.285

Annual Expenses

Intending to focus on his physical health, Karan took an annual membership at Cult, which costed him Rs.3000, and a 12-month e-gift voucher got him a 12% discount.

Money saved on gym membership = Rs.360

Being a gadget lover, Karan decided to treat himself to a swanky new smartphone costing Rs.60,000 as an upgrade from his existing one. Lucky for him, Samsung has an 8% discount.

Money saved = Rs. 4800

This year, Karan wants to give his parents a memorable experience on their wedding anniversary, so he booked a table for two at The Hyatt. The experience costs him Rs.5000, but Karan saves with a 7.5% discount!

Money saved = Rs.375

It's rare to find anyone who is not taking a break on OTT platforms. Karan has taken annual subscriptions to Hotstar and Amazon Prime, costing him Rs.1500 annually and saving him 5.5% and 3%, respectively.

Money saved = Rs.128

Traveling home to spend time with his family and taking occasional breaks to explore new places is a typical travel expenditure that Karan plans for right at the beginning of the year.

Traveling home

Flight tickets cost around Rs.13,000, so Karan avails a 6% discount from Yatra. Uber transit costs Rs.2000, and the 3% discount leaves him with additional savings. The war on hunger during transit is solved by a KFC burger costing Rs.500 and comes at an 8% discount.

Money saved = Rs.924

Vacation

A solo trip within India for 10 days costs Karan Rs.50,000, including flight tickets costing Rs.15,000 on Yatra, accommodation costing Rs.25,000 at Fab Hotels, and miscellaneous expenses costing Rs.10,000. A 6% discount at Yatra and a whopping 40% discount at FabHotels helps Karan save big.

Money saved = Rs.10,900

Calculating the Expenses and Savings

Monthly Spending = 5,000 + 1,500 + 1,200 + 6,000 + 2,500 + 4,000 + 3,000 + 3000 = Rs.26,200

Monthly Savings = 300 + 120 + 114 + 180 + 150 + 340 + 300 + 285 = Rs.1,789

Annual Spending = 3,000 + 60,000 + 15,500 + 15,000 + 25,000 + 5,000 + 3,000 = Rs.1,26,500

Annual Savings = 360 + 4,800 + 924 + 10,900 + 375 + 128 = Rs.17,487

Total savings per year = 1,789 x 12 months + annual savings of 17,487 = Rs.38,955

Karan saves nearly Rs.40,000 every year by being a savvy shopper and using exclusive discounts offered as part of his company's employee benefits program, powered by Empuls.

The best part: Karan makes sure he saves more every time he shops by planning his purchases during big sale days like Flipkart Big Billion Day Sale, Amazon Great Indian Festival Sale, Myntra's End of Reason Sale, Amazon Prime Day Sale, Flipkart Freedom Sale, and more. This way, he gets to save double with exclusive employee discounts and retailer discounts.

Karan is indeed a smart shopper because a rupee saved is a rupee earned!