32, Male, Single. Tier 1.5 MBA graduate (2020). CTC increased from 24LPA to 45LPA in ~5.5 years.
I come from a tier 5 town with a humble background. Dad is in government service, earns decently well, parents not dependent on me for daily living. But have to support in case of any major event/emergency. Got our own house in hometown. Got a sister, earning decently well.
Cleared ~25lakhs MBA loan and have purchased a plot in hometown for ~32 lakhs via a loan (~60K EMI for next 40 months). But, I have only ~15 savings in MF, FD and savings. ~5 lakhs in EPF, 1.5 lakhs in PPF, ~1.5 lakhs in NPS.
I live with a decent lifestyle and splurge on few things given my humble background and hence compensating for it, ig. But given my savings, I am in constant stress to save up more while enjoying life. I am in no hurry to retire early but I want to go back to my hometown by age 45. Also, not sure whether I will get married, even if I do, it will be in next 2-3 years.
So, the goal is to save up and build around ~50 lakhs of savings (except my land) before getting married (if it happens). Any tips of how to balance out between 'you live only once' and 'saving up'!