One of the biggest advantages, and dangers of UPI is that payments don’t feel real. This is what makes UPI so deceptively easy to overspend on: \u20b989, \u20b9149, \u20b9299. Cash used to make spending feel physical; a fingerprint scan does not. That’s why reviewing your UPI history once a week is so useful. <\/p>\n
As you go through your payment history, think about each transaction and mentally put it in one of these three buckets:
Needs – Rent, groceries, medicines, school fees, electricity, transport.
Lifestyle – Eating out, shopping, salon visits, streaming subscriptions.
Impulse – Late-night desserts, random online purchases, convenience snacks, “just because” spending.
If your impulse column is growing every month, you’ve found your biggest opportunity to save, without cutting essentials.<\/p>\n","protected":false},"excerpt":{"rendered":"One of the biggest advantages, and dangers of UPI is that payments don’t feel real. This is what…\n","protected":false},"author":2,"featured_media":506198,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[46779,122699,3899,198986,342,111,139,69,145,252480,7785,252479],"class_list":["post-506197","post","type-post","status-publish","format-standard","has-post-thumbnail","category-mobile","tag-budgeting-tips","tag-emotional-spending","tag-financial-planning","tag-impulse-buying","tag-mobile","tag-new-zealand","tag-newzealand","tag-nz","tag-technology","tag-times-of-india-60-second-money-lesson","tag-unified-payments-interface","tag-upi-spending-habits"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/506197","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=506197"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/506197\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/506198"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=506197"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=506197"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=506197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}