Today’s tip is going to be a little radical; but it might be beneficial to some of you, especially if you’re stuck in an overspending trap😖
What you should do is Delete all UPI apps from your phone.
We have all seen tweets about how we use Gpay as if Google is paying, and to some extent it’s true!
Numbers on a screen don’t give you a signal if you’re being silly with your money, a depleting wallet does.
If you have UPI enabled and you delete your apps, it doesn’t affect your UPI, you can still receive money directly in your bank account.
I would always advise carrying cash, as it is generally limited and keeps you in check every time you pay.
To track your expenses, you could have a daily budget.
I am not asking you to remove the convenience of UPI completely from your life, but rather to use this hack as an anchor for your behaviour.
Let me know if you find it useful!