Money Habits That Are Keeping You Poor
Ravi wasn’t poor.
But somehow, he was always broke.
Every month started with fresh hope “This time, I’ll save,” “No online shopping,” “Just one weekend outing.”
And every month ended the same way empty wallet, drained account, and the familiar, sinking feeling of financial stress.
Ravi was 29, working as a marketing executive in Pune, earning ₹45,000 per month. Not rich, but not struggling either — at least that’s what it looked like from the outside. Branded clothes, a fancy phone bought on EMI, Friday night dinners, occasional weekend trips to Lonavala, and the latest wireless earbuds "because the old ones weren’t bassy enough."
Everyone thought Ravi was living the dream.
He knew he was living a lie.
Despite the paycheque, he had no savings. No investments. No backup. He often borrowed ₹500 from friends in the last week of the month, sometimes even from his maid, just to top-up his phone or order dinner.
One night, everything changed.
It was Karthik’s housewarming party a college friend who had just bought a 3BHK flat in Bangalore. Ravi arrived late, without a gift, feeling a little embarrassed. Another friend handed Karthik a ₹1 lakh cheque as a housewarming contribution. Ravi watched in silence, sipping his soft drink, trying not to look small.
Back in college, Ravi was the flashy one always in trend, always the center of the group. Karthik? Quiet, budget-obsessed, carrying home-packed rotis and talking about “mutual funds” before it was cool.
Now Karthik was a homeowner at 30. Ravi couldn’t afford even the EMI of a second-hand scooter.
That night, back in his rented flat, Ravi couldn’t sleep. He lay staring at the ceiling, his mind flooded with regrets and realizations. At 2 AM, he opened his banking app — and his eyes.
He had no idea he was spending:
- ₹8,200/month on Swiggy and Zomato
- ₹6,000 on EMIs for stuff he no longer even used
- ₹3,000 on random shopping from apps during “flash sales”
- ₹1,500 on auto-debited subscriptions he didn’t remember signing up for
And he had:
- ₹0 in savings
- ₹0 in investments
- ₹0 in emergency fund
- ₹0 in insurance
He didn’t have a money problem.
He had a habit problem.
But this time, instead of trying to “Google his way” through finance or downloading another budget app, he decided to get help.
He reached out to me.
We had a long conversation, not about stocks or fancy investments but about habits, mindset, and clarity.
I helped him break down his expenses and showed him where his money was silently leaking. We calculated his ideal emergency fund and how much risk cover he actually needed.
I helped him get:
- A term insurance plan with ₹50 lakh coverage, so his family would be protected in case of the worst. It cost him just ₹450/month.
- A health insurance policy that covered major hospitalization needs. Not a corporate cover, but his own private plan.
- A new emergency fund account a safety net, with an automatic transfer of ₹1,000 every month.
- And yes, he started his very first mutual fund SIP with me. Just ₹500/month. A start. A habit. A shift.
It wasn’t flashy. It wasn’t thrilling.
But it gave him peace of mind he hadn’t felt in years.
Three months in, he was no longer afraid of checking his bank balance.
Six months in, he had ₹20,000 in his emergency fund, regular SIPs, insurance in place, and no credit card debt.
A year later, he messaged me: “I’m saving for my down payment. Thank you.”
Ravi now shares something most people don’t — financial clarity.
His friends still party more. Still flaunt more. But Ravi sleeps better.
Because Ravi finally understood:
You don’t get rich by earning more. You get rich by behaving differently.
It wasn’t his salary that kept him broke.
It was his habits.
And when he changed them one ₹500 SIP, one insurance premium, one packed lunch at a time everything began to shift.
He didn’t do it alone.
He asked for help.
And maybe your shift begins today, too.
If Ravi’s story sounds like yours, you’re not alone.
You don’t need ₹1 lakh to start. You need ₹500, a guide, and a decision to change.
I helped Ravi build his plan, I can help you too.
Book your free personal consultation with me. Let’s talk goals, safety, habits, and smart steps.
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