Doing zero-based budgeting is the starting point to smartly managing money.
It simply means that you estimate how much you expect to earn that month and allocate every pie into one of the heads –
Saving / Giving / Pay off loans / Essentials / Fun expenses.
After you have allocated all the money to the various heads, if there is still some cash available then the budgeting activity is not over. You have to allocate the pending money into one of the above heads. You can use it to pay off more debt, you add it to you 10 crore kitty or you can have some fun.
But every single pie should be told where to go. Otherwise, they will leave.