Woman Quits UPI For Just 2.5 Months, Her Revelation Sparks Online Debate

New Delhi: UPI has become an essential part of daily life, with millions relying on it for instant digital payments. As cash transactions continue to decline, UPI has emerged as the preferred payment method for many. However, some believe that its convenience can also lead to increased spending. A Delhi-based influencer recently shared her experience after avoiding UPI for two and a half months, and her video has sparked a lively debate on social media.

What did the creator say in the video?

A content creator, Sadaf from Delhi, revealed on social media that she did not use UPI for almost two and a half months. During that time period, she used cash for all of her payments. The real reason for this step was to analyse the difference between digital and cash payments. In the beginning, she faced some problems, but after some time she could see a clear difference.

What did Sadaf say about overspending?

Sadaf said that payments through UPI are very simple, which makes it addictive, and sometimes you may not even realize you are making small payments. But while making payments through cash, opening the wallet and giving out money every time makes you realise your spending. Sadaf said that it helped her to stop buying less important things. She was able to control her spending.

How did this help in making the budget?

Sadaf said that we often make a lot of small payments in a day. We realise it only after seeing our bank statement. But while using cash, we already know how much we have to spend, and just as we see the cash in the wallet depleting, we reduce the spending. This helped to control her budget and even increased her savings.

What was the reaction of people on social media?

After the video went viral, many people expressed their opinions on it. Many users agreed with Sadaf and said that they were facing the same problem while using UPI for payments. Some people said that at this time it was not easy to depend fully on cash, as digital payment is the easiest method of payment while using services like online shopping, food delivery and taxi booking.

Is it true that UPI increases our spending?

According to financial experts, UPI is not a problem. It is the easiest and most convenient method of payment. But sometimes people may not realise their spending while using it. To avoid that, they must make a budget for themselves and keep a check on it. You can use cash at some places. This helps in better spending of money.

What is the moral of the story?

Sadaf's experience tells us that sometimes the method to save money is more important than the method to earn it. UPI makes our life easy, but making payments without keeping an eye on spending can increase the bills. Rather than not using UPI, we must use it judiciously. We must make a budget and spend according to it to reduce overspending.