If someone were to request you to make a monthly commitment of ₹15,000, you would stop, calculate, and consider if this fits within your budget. However, if you spend ₹500 today, ₹500 tomorrow and ₹500 the next day, those small amounts barely register as a decision. That’s how the everyday decision about spending quietly affects us. Those small, frequent purchases don’t appear with a specific due date or warning; there is no memory of them adding up.