Open your statements, add up the expenses, and see where you stand. Clarity is the first step toward control.

Start with EMIs, rent, and essentials. Let smaller indulgences wait; stability first, comfort next.

Small swaps: cooking in, skipping impulse buys, can help you recover faster. You don’t have to go into austerity mode to heal your wallet.

Once you’ve steadied the flow, restart your savings, even a little at a time. It’s about consistency, not size.

Every overspend teaches something. Plan earlier next year, and maybe set a small “festive fund” aside each month.