For context, I live in Bangalore (working, living alone). On average, I spend around ₹700–₹1,000 per day on food, transport, and small random expenses.
Most of it is through UPI—I barely use cash anymore.
From what I’ve seen, a lot of people spend around ₹20k–₹30k per month (excluding rent in some cases), so this felt like a reasonable baseline to test.
I kept hearing that using cash makes you spend less, so I decided to try it for 3 days.
I withdrew ₹3,000 and committed to using only cash.
Day 1 (~₹920)
- Groceries (milk, fruits, basics): ~₹450
- Chai/sutta + snacks: ~₹150
- Auto (short ride): ~₹200
- Random ₹50–₹100 spends I usually don’t notice
Nothing unusual, but it felt like I spent more than usual.
Day 2 (~₹780)
- Lunch outside: ~₹250
- Grocery top-up: ~₹200
- Snacks/tea: ~₹100–₹150
- Auto: ~₹150
I skipped ordering dinner because I didn’t want to break another ₹500 note. Normally, I would’ve ordered without thinking.
Day 3 (~₹640)
- Groceries (eggs, bread, basics): ~₹300
- Transport: ~₹150–₹200
- Misc small spends: ~₹100
By this point, I was actively avoiding small, unnecessary expenses.
Total: ~₹2,300–₹2,400 for 3 days
Which is honestly close to what I’d normally spend.
What actually changed:
- The difference wasn’t the total—it was the awareness
- Every ₹100 felt more “real”
- Breaking ₹500 notes made me pause
- I naturally skipped 2–3 small expenses without forcing it
With UPI, especially for ₹50–₹200 spends, I don’t register the impact as clearly.
What I realized:
A lot of my spending comes from small, repeated expenses—chai, snacks, quick groceries, autos.
Individually, they feel insignificant. But they add up quickly because they happen multiple times a day.
Downsides:
- Slightly inconvenient
- Had to think before every purchase
- Not very practical long term
Not sure if this actually reduces spending long term or if it’s just psychological—but it definitely made me more aware.
Do you guys feel the same, or is it just in my head?
