@spendzieofficial.bsky.socialSpent ₹10,000 to get ₹500 cashback and told everyone I "saved" 😎
What I said: "I saved ₹500."
What happened: I spent ₹9,500.
Small habit: cashback is a discount on things you were already buying. It's never a reason to buy.
@spendzieofficial.bsky.social"It's just ₹100"
chai ₹30, auto ₹50, snack ₹20
₹100 a day = ₹36,500 a year 😶
Habit: 60 seconds of UPI history every Sunday. Not to feel bad. Just to know.
@spendzieofficial.bsky.socialUsing 90% of my limit and wondering why my score won't move 📉
Habit: pay part of the bill before the statement date. Same spending, lower reported usage. Rule of thumb: under ~30%.
@spendzieofficial.bsky.social"No-cost EMI" costing me ₹712:
GST on the waived interest ₹478 + ₹199 fee + GST ₹235.
Ask before you tap EMI: processing fee? GST on interest?
Illustrative: ₹60k, 6 mo, 15%.
#SmallHabitsBigChange
@spendzieofficial.bsky.socialMy reward points, 2 years in:
"hey it's your points 👋"
"we expire soon"
"hello??"
me: seen ✓✓
Habit: first Sunday of the month, check points + expiry. 2 minutes.
@spendzieofficial.bsky.social"It's just ₹199 a month"
music ₹199, OTT ₹199, cloud ₹199, that app you opened once ₹199 = ₹9,552 a year.
Habit: search "renew" in your card statement monthly. Cancel one.
@spendzieofficial.bsky.socialPOV: you paid the "minimum due" and felt responsible.
₹50k bill, ₹2.5k paid. ₹47.5k now charges up to ~3.75% a month, and new swipes lose interest-free days.
Fix: auto-pay Total Amount Due. One toggle.