While saving may be difficult, one can cut down on discretionary expenses and services. The immediate requirement for the middle-class families in the short term is to draw up a budget where on one side; they need to take into account all their income streams. It could be salaries, business income or consultancy income, rent from flat, government pension, interest from fixed deposits or government bonds, and dividends from companies. On the other side of the budget, they need to include their monthly expenses, which typically include groceries, school fees, rent or EMI for flat, mobile and electricity bills, costs related to running two and four wheelers, and medical expenses amongst others.