"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.

#SmallHabitsBigChange

POV: 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.

#SmallHabitsBigChange #CreditCards