How To Save Money As a Gen Z In Pakistan

How To Save Money As a Gen Z In Pakistan

Aug 23, 2025

Money isn’t just cash anymore. For us Gen Z in Pakistan, it’s about vibe, lifestyle, and survival. Some of us are sipping chai lattes at fancy cafes, some are saving up for trips to Skardu, and some are hunting for deals at Landa Bazaar. But no matter where you are, one thing is clear: our money habits will decide whether we live free or stressed out in the future.

So, how do we balance flexing a little with actually saving? Let’s talk.

Why We Overspend (Even When We Don’t Want To)

  • Peer Pressure: Your friend just dropped money on the new iPhone 16. You know you don’t need it… but suddenly your old phone feels like a QMobile.
  • Social Media: Insta and TikTok make it look like everyone else is eating sushi in Islamabad or flying to Turkey. You feel left out.
  • Easy Money Apps: “Buy Now Pay Later” sounds chill, until you realize it’s basically debt with makeup on.

The Debt Trap is Real

  • Meet Hamza. He’s 22, got a BNPL plan for an iPhone. Looked easy at first. But then, every month his wallet was crying. No savings, no freedom, just stress.
  • Now meet Ayesha. Same age, also wanted an iPhone. But she waited, saved bit by bit, and bought it without debt. She flexed guilt-free. Big difference.

How to Spend Smarter (and Still Enjoy Life)

Pause Before You Buy See something online? Don’t hit “Add to Cart” instantly. Wait 72 hours. If you still want it after 3 days, then maybe it’s worth it.

Make Small Savings Automatic Apps like Sadapay let you round up payments. Buy a Rs. 450 chai, Rs. 50 automatically goes into your savings. You won’t even feel it.

Try the Envelope Trick (Old but Gold)

Split your cash into 3 categories:

  1. Needs (food, bills, transport)
  2. Wants (clothes, outings)
  3. Savings (don’t touch this one)

Once an envelope is empty, that’s it. No cheating.

Hunt for Deals Why pay full price when apps like Bykea, Careem, or Foodpanda are always dropping discounts? Smart spending = more money for your real goals.

The Real Flex

Listen, flexing on Insta is fun. But the real flex? Having money saved up, not living paycheck to paycheck, and building a future where you don’t have to ask anyone for help.

Saving doesn’t mean being boring. It just means being smart enough today so your future self says, “Shukriya, yaar.”

This is our generation’s money game: either get trapped by spending, or own the future by saving. The choice is ours.