Your thoughts on Working on LOP

I work in a hybrid setup (12 days WFO + rest WFH)

Here's my current situation:

Take-home salary: ₹23K/month

Currently in Chennai

Monthly expenses (rent + food + travel + misc): around 15K

Travel to native every month: ~3K

So in total, I end up spending about ₹18K and saving just around ₹5K.

On top of that, I genuinely struggle with food and the extreme weather in Chennai - not very comfortable long-term.

Now, if I switch to full WFH from my native, I'll lose pay for the 12 WFO days.

Per day LOP: ₹750

Total LOP: ₹9K/month

Which means I'll get around ₹14K in hand.

But the upside is, my native expenses are only ~5K, so I could actually save about ₹9K/month - more savings, better comfort, less heat