Salary Aayi, Salary Gayi - Part I: The Spending Syndrome: Thrills today, Bills tomorrow!

Raj Jaggi | Last updated: 01 November 2025

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This article explores the common 'spending syndrome' where individuals with good salaries struggle with financial management, often prioritising fleeting pleasures over long-term stability. It highlights how impulsive spending and reliance on credit can lead to debt and anxiety, contrasting this with older generations' saving habits. The piece stresses the importance of budgeting, saving, and making conscious financial decisions to achieve true independence and peace of mind.

Introductory Thoughts Managing personal finances is more than just saving; it's about making wise life choices. It involves building confidence to face the future confidently, making rational decisions instead of impulsive ones, and having the bravery to take significant risks when opportunities ar

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About the Author

Raj Jaggi

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CA. Raj Jaggi is a Chartered Accountant based in New Delhi, primarily practising in the field of Goods and Services Tax (GST) consultancy, litigation support, and advisory services. After being associated with the leading indirect tax firm A.K. Batra and Associates for nearly 19 years, from June 2007 to March 2026, he ... Read more

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