10 Relatable Money Habits That Keep You Broke (And How to Break Them)
We all have that one friend who’s always broke at the end of the month… and sometimes, that friend is us. Don’t worry, you’re not alone. Money mistakes are a part of the learning curve. But some of these habits are sneakier than you think—and they might be draining your wallet faster than you can say “swiggy it.”
Let’s talk about 10 everyday money habits that are keeping you broke—and how you can turn things around.
---
1. “It’s Just ₹200” – The Sneaky Spender Habit
Daily coffees, late-night snacks, random online shopping—“just ₹200” adds up to thousands by the end of the month.
Fix it: Use an expense tracker app. You’ll be shocked where your money goes.
---
2. Living for the Weekend
Spending like royalty on Friday and surviving like a monk by Wednesday? Been there.
Fix it: Budget a little fun money each week. Enjoy guilt-free without going broke.
---
3. Subscribing to Everything & Using Nothing
Netflix, Hotstar, Spotify, gym memberships, meditation apps—how many do you actually use?
Fix it: Do a subscription audit. Cancel what you’re not using. Re-subscribe only when needed.
---
4. Not Tracking Expenses (a.k.a. Financial Blindfolding)
If your answer to “How much did you spend last week?” is “I don’t know,” that’s a problem.
Fix it: Write it down. Use apps like Walnut, Money Manager, or even Google Sheets.
---
5. Using Credit Like It’s Free Money
Spoiler: it’s not. That “Buy Now, Pay Later” plan is still coming for your wallet.
Fix it: Treat credit like cash. If you can’t pay it off within the month, don’t swipe.
---
6. Spending to Impress
Trying to keep up with friends, influencers, or colleagues? That gets expensive real quick.
Fix it: Be proud of your financial goals. Real friends won’t judge you for skipping a night out.
---
7. Ignoring Savings Because “I’ll Start Next Month”
Procrastination is expensive. The longer you wait, the more you lose on interest and compounding.
Fix it: Start small—₹100 a week is still a start. Automate it if you can.
---
8. Not Having a Budget (a.k.a. “Vibes-Based Spending”)
If your budget plan is “I’ll just figure it out as I go,” your bank balance might disagree.
Fix it: Create a simple 50/30/20 budget:
50% needs
30% wants
20% savings
---
9. Ordering Food Instead of Cooking (Every. Single. Day.)
We get it. Food delivery is life. But it’s also pricey.
Fix it: Try cooking 3 times a week. Freeze meals. Meal prep. Your wallet will thank you.
---
10. Not Investing at All
Keeping money in a savings account is safe—but not smart for the long term.
Fix it: Learn about SIPs, index funds, or digital gold. Start with ₹500/month.
---
Final Thoughts:
You don’t have to be perfect—you just have to be aware.
Fixing ev
en 2 or 3 of these habits can change your money game massively.
So be honest: which ones are you guilty of?
0 Comments