The COVID-19 pandemic along with health safety issues brought another glooming problem to our faces, the economic crunch having a direct impact on the pockets of regular middle-class consumers of our economy. The pandemic situation in 2020 which no one calculated for had stock markets world-wide chasing lower circuits day by day, with the greatest fall on NSE and BSE recorded at ~14% in one single day, making the investors poorer by lakhs of crore, which continued for days. The situation was dire, at one end people and the country as whole was fighting a global pandemic and other end people were locked at homes, away from their businesses and jobs, with unemployment rates soaring high in tight finances. This double-edged sword had people question their spending habits and what is necessity of living within our means. The Indian proverb – ‘ jitni lambi chadar utne paer failane chahiye’ had come into existence into every common man’s life all of a sudden. Just take a moment and think fo
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