It starts with tax saving which can increase the take home income. These investments can also cater to a few of your needs. Tax saving is not restricted only to tax savings investments under Section 80C. There are several other components e.g. HRA, Home Loans, LTA, Sec 80D, Re-imbursements, etc to reduce the taxable income.
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Keynotes:

• By careful understanding, one can reduce tax liability substantially.
• Do not wait for last minute. Start in April and use monthly investments to reduce risk. It will be easier on your pocket as well.
• Use tax efficient investment avenues. You should not be paying too much tax on their returns.?