{"id":25635415,"date":"2026-01-12T15:03:13","date_gmt":"2026-01-12T09:33:13","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25635415"},"modified":"2026-01-12T15:03:13","modified_gmt":"2026-01-12T09:33:13","slug":"needs-vs-wants","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/needs-vs-wants\/","title":{"rendered":"Needs vs Wants: How to Control Overspending"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d2deba168c4\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d2deba168c4\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#Needs_vs_Wants\" >Needs vs. Wants<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#What_Constitutes_a_%E2%80%9CNeed%E2%80%9D\" >What Constitutes a &#8220;Need&#8221;?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#What_Constitutes_a_%E2%80%9CWant%E2%80%9D\" >What Constitutes a &#8220;Want&#8221;?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#Overspending_Psychology\" >Overspending Psychology<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#3_Top_Rules_of_Budgeting\" >3 Top Rules of Budgeting<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#503020_Rule\" >50\/30\/20 Rule<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#602020_Framework\" >60\/20\/20 Framework<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#3_Tips_To_Identify_%E2%80%9CHidden%E2%80%9D_Wants\" >3 Tips To Identify &#8220;Hidden&#8221; Wants<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#4_Actionable_Tips_to_Control_Overspending\" >4 Actionable Tips to Control Overspending\u00a0<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#1_Automate_Your_Savings\" >1. Automate Your Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#2_Use_the_%E2%80%9CEnvelope%E2%80%9D_Method_Digital_or_Physical\" >2. Use the &#8220;Envelope&#8221; Method (Digital or Physical)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#3_Track_Every_Rupee\" >3. Track Every Rupee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#4_Create_an_Emergency_Fund\" >4. Create an Emergency Fund<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#How_To_Implement_Needs_vs_Wants_Budgeting_in_Your_Life\" >How To Implement Needs vs Wants Budgeting in Your Life<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/entri.app\/blog\/needs-vs-wants\/#Parting_Words\" >Parting Words<\/a><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>Managing money in India has traditionally been about savings. That said, with the rise of the digital economy and easy access to credit, the traditional \u2018savings\u2019 mindset of Indian households is witnessing a change. We are currently going through a shift where lifestyle inflation i.e. the tendency to increase spending as income rises is gaining more importance than actual wealth creation.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25635423 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/businessman.webp\" alt=\"stock market\" width=\"486\" height=\"324\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/businessman.webp 740w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/businessman-300x200.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/businessman-150x100.webp 150w\" sizes=\"auto, (max-width: 486px) 100vw, 486px\" \/><\/p>\n<p>To attain financial freedom, one must first understand that a &#8220;need&#8221; is something essential for survival and functionality. Some common examples are groceries, rent, and insurance. A \u201cwant\u201d on the other hand, is a choice that improves your life, but not essential. Some relatable examples are dining at a premium cafe or upgrading to the latest high-end smartphone model every year. However there\u2019s one technique to make sure that your hard-earned money builds a legacy rather than just being the source of finance for a temporary lifestyle. All you have to do is to apply a structured <strong>needs vs wants budgeting<\/strong> mindset.<\/p>\n<p style=\"text-align: center;\">\u00a0<a href=\"https:\/\/entri.app\/course\/stock-market-course\/?utm_source=stock-marketing&amp;utm_medium=blog_referral&amp;utm_campaign=what-is-gift-nifty\" target=\"_blank\" rel=\"noopener\"><strong>Learn trading from experts! Join today to learn the fundamentals of trading!<\/strong><\/a><\/p>\n<h1><span class=\"ez-toc-section\" id=\"Needs_vs_Wants\"><\/span><strong>Needs vs. Wants<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>Needs and wants, in India, are generally influenced by cultural values and family structures.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Constitutes_a_%E2%80%9CNeed%E2%80%9D\"><\/span><strong>What Constitutes a &#8220;Need&#8221;?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Housing and Utilities:<\/strong> Rent or Housing Loan EMIs, electricity, water, and high-speed internet that is a must-have facility due to the work-from-home culture.<\/li>\n<li><strong>Groceries and Nutrition:<\/strong> Basic provisions that are quite necessary for a healthy diet.<\/li>\n<li><strong>Healthcare:<\/strong> Health insurance premiums, an unavoidable element due to rising medical inflation and regular medication.<\/li>\n<li><strong>Education:<\/strong> Children\u2019s school and college fees, which is often a top priority for Indian parents.<\/li>\n<li><strong>Transportation:<\/strong> Fuel for your vehicle or monthly passes for public transport like bus and Metro.<\/li>\n<li><strong>Debt Repayment:<\/strong> Minimum payments on existing loans must be considered as a need to protect your credit score.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_Constitutes_a_%E2%80%9CWant%E2%80%9D\"><\/span><strong>What Constitutes a &#8220;Want&#8221;?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Dining Out and Delivery:<\/strong> Ordering via apps or eating out at high-end restaurants often.<\/li>\n<li><strong>Entertainment:<\/strong> Subscriptions of multiple OTT platforms, movie tickets, and gaming.<\/li>\n<li><strong>Lifestyle Upgrades:<\/strong> Buying &#8220;designer&#8221; labels when a standard brand is enough, or buying the latest gadget due to its social status.<\/li>\n<li><strong>Luxury Travel:<\/strong> International vacations or premium staycations that offer more than basic rejuvenation.<\/li>\n<\/ul>\n<h1><span class=\"ez-toc-section\" id=\"Overspending_Psychology\"><\/span><strong>Overspending Psychology<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25635424 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/graph-technology.webp\" alt=\"stock market\" width=\"508\" height=\"359\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/graph-technology.webp 740w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/graph-technology-300x212.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/graph-technology-150x106.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/graph-technology-120x86.webp 120w\" sizes=\"auto, (max-width: 508px) 100vw, 508px\" \/><\/p>\n<p>Why do we overspend even when we know better? In the present Indian market, three major factors lead to impulse purchases:<\/p>\n<ol>\n<li><strong>Display Effect:<\/strong> The tendency to match the lifestyle of friends, colleagues, or influencers. Seeing a friend posting a photo of a latest luxury car on social media often triggers a &#8220;want&#8221; that poses as a &#8220;need.&#8221;<\/li>\n<li><strong>Easy Credit (Buy Now, Pay Later):<\/strong> With BNPL schemes and instant personal loans, the &#8220;pain&#8221; of paying is delayed, making it easier to ignore the budget.<\/li>\n<li><strong>Decision Fatigue:<\/strong> After a long day of work, the convenience of a &#8220;want&#8221; such as ordering food often wins over the effort of a &#8220;need&#8221; like cooking at home.<\/li>\n<\/ol>\n<h1><span class=\"ez-toc-section\" id=\"3_Top_Rules_of_Budgeting\"><\/span><strong>3 Top Rules of Budgeting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>To maintain a healthy balance, financial experts recommend specific frameworks that simplify <strong>needs vs wants budgeting<\/strong>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"503020_Rule\"><\/span><strong>50\/30\/20 Rule<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This is the most popular starting point for most salaried professionals:<\/p>\n<ul>\n<li><strong>50% for Needs:<\/strong> Half of your take-home pay should cover all essentials.<\/li>\n<li><strong>30% for Wants:<\/strong> This is your &#8220;fun money.&#8221; It covers hobbies, dining, and lifestyle choices.<\/li>\n<li><strong>20% for Savings and Investments:<\/strong> This goes into your PPF, Mutual Funds, or Emergency Fund.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"602020_Framework\"><\/span><strong>60\/20\/20 Framework<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you are currently managing significant debt such as a home loan or car loan or facing high inflation, this modified version might be more practical:<\/p>\n<ul>\n<li><strong>60% for Necessities and Debt:<\/strong> Covers all bills plus EMI repayments.<\/li>\n<li><strong>20% for Discretionary Spending:<\/strong> A tighter limit on wants to ensure financial stability.<\/li>\n<li><strong>20% for Long-term Goals:<\/strong> Ensuring your future isn&#8217;t sacrificed for the present.<\/li>\n<\/ul>\n<div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2023\/03\/Stock-Market-360_Pdf-1.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2023\/03\/Stock-Market-360_Pdf-1.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\">\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download Stock market course roadmap<\/button><\/p>\n<\/a><\/div>\n<h1><span class=\"ez-toc-section\" id=\"3_Tips_To_Identify_%E2%80%9CHidden%E2%80%9D_Wants\"><\/span><strong>3 Tips To Identify &#8220;Hidden&#8221; Wants<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>\u201cWants&#8221; sometimes hide inside our &#8220;needs.&#8221; Let\u2019s take the example of buying groceries. Even though groceries are a need, buying imported organic avocados is a want. Here are 3 tips to audit your spending:<\/p>\n<ul>\n<li><strong>The 24-Hour Rule:<\/strong> In case of any non-essential purchase over \u20b92,000, wait for 24 hours. By that time, the impulse generally dies down. Later you realize that you don&#8217;t actually need the item.<\/li>\n<li><strong>Check the &#8220;Unit Cost&#8221;:<\/strong> Before you buy a luxury item, calculate how many hours of work it takes to pay for it. If a pair of shoes costs three days of your salary, ask yourself \u201cis it worth the effort?\u201d<\/li>\n<li><strong>Audit Subscriptions:<\/strong> We generally pay for 4-5 OTT apps, but watch only one. Cancelling subscriptions that you don\u2019t use is the easiest way to trim the &#8220;want&#8221; category.<\/li>\n<\/ul>\n<h1><span class=\"ez-toc-section\" id=\"4_Actionable_Tips_to_Control_Overspending\"><\/span><strong>4 Actionable Tips to Control Overspending\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25635425 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/gradient-stock-market-concept_52683-76908.webp\" alt=\"stock market\n\" width=\"564\" height=\"376\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/gradient-stock-market-concept_52683-76908.webp 740w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/gradient-stock-market-concept_52683-76908-300x200.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/01\/gradient-stock-market-concept_52683-76908-150x100.webp 150w\" sizes=\"auto, (max-width: 564px) 100vw, 564px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Automate_Your_Savings\"><\/span><strong>1. Automate Your Savings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The best way to control spending is to ensure the money isn&#8217;t there to be spent. Set up an automatic transfer to your SIP or a separate savings account on the day your salary is credited. This &#8220;pay yourself first&#8221; approach ensures your 20% savings goal is met before you even look at your &#8220;wants&#8221; list.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Use_the_%E2%80%9CEnvelope%E2%80%9D_Method_Digital_or_Physical\"><\/span><strong>2. Use the &#8220;Envelope&#8221; Method (Digital or Physical)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Set aside a fixed amount for categories like dining or shopping. Once that digital wallet or cash envelope becomes empty, you cannot spend more for that category until the next month.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Track_Every_Rupee\"><\/span><strong>3. Track Every Rupee<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>With a simple mobile app or a notebook, record every expense. Don\u2019t miss to track even if it is a \u20b920 chai or even the \u20b910 parking fee. Seeing these small amounts add up at the end of the month is a powerful eye opener.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Create_an_Emergency_Fund\"><\/span><strong>4. Create an Emergency Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A major cause of overspending into debt is an unexpected &#8220;need&#8221; like a medical emergency or a car repair. Having 3\u20136 months of expenses in a liquid fund prevents you from swiping your credit card when life gets unpredictable.<\/p>\n<h1><span class=\"ez-toc-section\" id=\"How_To_Implement_Needs_vs_Wants_Budgeting_in_Your_Life\"><\/span><strong>How To Implement Needs vs Wants Budgeting in Your Life<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>Adopting <strong>needs vs wants budgeting<\/strong> isn&#8217;t about living a life of deprivation. It\u2019s about <strong>intentionality<\/strong>. It means choosing to spend on things that truly bring value to your life while removing unnecessary things without any mercy.<\/p>\n<p>This might mean opting for a modest wedding celebration to make a down payment for a house. Or choosing a reliable mid-range car instead of an expensive luxury model that drains your monthly income through high maintenance and insurance.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/?utm_source=stock-marketing&amp;utm_medium=blog_referral&amp;utm_campaign=what-is-gift-nifty\" target=\"_blank\" rel=\"noopener\"><strong>Learn trading from experts! Join today to learn the fundamentals of trading!<\/strong><\/a><\/p>\n<h1><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><strong>Key Takeaways<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<ul>\n<li><strong>Awareness is Key:<\/strong> Start by listing all your expenses and divide them honestly into different categories.<\/li>\n<li><strong>Prioritize Survival:<\/strong> Ensure your &#8220;needs&#8221; such as rent, food and insurance are covered first.<\/li>\n<li><strong>Limit Discretionary Spend:<\/strong> Keep your &#8220;wants&#8221; within 30% of your income.<\/li>\n<li><strong>Debt is a Need:<\/strong> Treating EMI repayments as a non-negotiable &#8220;need&#8221; helps maintain financial health.<\/li>\n<li><strong>Systemize Savings:<\/strong> Automate your investments to get rid of the temptation to spend.<\/li>\n<li><strong>Review Monthly:<\/strong> Your budget should be a living document that adjusts to your changing life stages.<\/li>\n<\/ul>\n<h1><span class=\"ez-toc-section\" id=\"Parting_Words\"><\/span><strong>Parting Words<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>Looking for the best avenue to invest your savings? Share market and mutual funds are two such options, provided you have an expert mentor to guide you in the right direction.<\/p>\n<p>Entri Finacademy, a trusted finance education platform since 2022 offers stock trading, mutual funds and forex trading courses. A team of expert mentors and an opportunity to learn stock trading in several regional languages, including Malayalam make Entri stand out from the rest. Here learning is pretty easy for students with features such as live classes, practical trading support and exclusive doubt clearance sessions. To know more about Entri\u2019s courses, click <a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong> The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. The author(s) and the publisher disclaim any liability for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein.<\/div>\n<div>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\" colspan=\"2\"><strong>RELATED POSTS<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/best-mutual-fund-apps-to-invest\/\" target=\"_blank\" rel=\"noopener\"><strong>Best Mutual Fund Apps for Investment in India<\/strong><\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-choose-mutual-fund\/\" target=\"_blank\" rel=\"noopener\"><strong>How to Choose the Right Mutual Funds to Invest for Beginners\u00a0<\/strong><\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/stock-marketing-for-beginners-in-india\/\" target=\"_blank\" rel=\"noopener\"><strong>Stock Marketing for Beginners in India 2025<\/strong><\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/career-opportunities-in-stock-market\/\" target=\"_blank\" rel=\"noopener\"><strong>Career Opportunities in Stock Market<\/strong><\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-do-you-gift-a-stock\/\" target=\"_blank\" rel=\"noopener\"><strong>How do you gift a stock to someone?\u00a0<\/strong><\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/entri-finacademy-course-monitored-by-sebi-ra\/\" target=\"_blank\" rel=\"noopener\"><strong>Entri Finacademy is Now Monitored by a SEBI Registered Research Analyst!<\/strong><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div><div class=\"modal\" id=\"modal25556854\"><div class=\"modal-content\"><span class=\"close-button\">&times;<\/span>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f25556854-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"25556854\">\n<div 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That said, with the rise of the digital economy and easy access to credit, the traditional \u2018savings\u2019 mindset of Indian households is witnessing a change. We are currently going through a shift where lifestyle inflation i.e. the tendency to increase spending as income rises is [&hellip;]<\/p>\n","protected":false},"author":137,"featured_media":25635422,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1841,1867],"tags":[],"class_list":["post-25635415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-entri-skilling","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Needs vs Wants: How to Control Overspending - Entri Blog<\/title>\n<meta name=\"description\" content=\"Master the needs vs. wants budgeting mindset to combat lifestyle inflation. 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