The modality of income does not appeal to the modesty of the happiness of man’s householder, but the total happiness remains on the spending of his income by good management and restraint and according to the classical rules.

Spending our money wisely is an art that our families regret because they don’t know it. Many people neglect necessary expenses but spend on comfort and luxury. People complain of inflation when they buy life-saving materials, but do not experience inflation when they buy luxury items, for example – tea, tobacco, cigarettes, cinema, liquor, fashion, flamboyant clothes, ties, hats.

  • Persons with uncertain expenses

The income ratio depends on our nature, habits, fashion, way of life, climate, country, needs, number of household members, rituals, behavior. We have to take care of each of them. The deficit or surplus of income depends on the circumstances of the consumer. It is often seen that when it becomes a habit, man spends more on luxuries than on necessities. A person who is addicted to liquor, tea, cinema, prostitution, tobacco, ganja, hashish, does not like to spend on life preservation and dexterity – milk, cottage cheese, butter, airy house, etc. The fashionistas, despite being the poverty do not see the house, are caught in the toe tip outside, false appearance. Poor people take loans for a bit of applause and spend money on marriage, marriage or charity etc. The poor workers are also not afraid to spend money on addictions like betel, cinema, tea, gambling, betting, alcohol etc. Even the beggars like to drink tea, they like milk more than bread.

To a wealthy man, luxurious palaces, electric fans, lamps, motors, fountain pens, gaudy clothing, and decorative items would be considered comfort items, but to a poor peasant or clerk, a modest shopkeeper, these items would be considered luxuries. Things will be accepted.

Always keep an eye on your income. Spending more than income is a sign of absolute stupidity and bankruptcy. If -2 income decreases, then also keep reducing 2 expenses by the same ratio. Continue to remove luxuries and comfort items from spending, quit the addiction, eat cheap, eat once, wear cheap. Stay in a humble cottage, work on your own by rescuing the servants, do the work of a laundry man, even if you clean the kitchen utensils yourself, but don’t keep your feet out of the income.

Credit is a problem that weakens all the powers of man. He has to look down in front of everyone, his hands are tight. Remember the experience and learning of Shri Santosh Narayan Nautiyal.

“There cannot be two opinions on how to borrow. There is only one answer: habit is very bad. In the process of borrowing, be it money or something else, nothing is known, but in the process of giving, the condition worsens. Looks like throwing money away. Gradually, this custom gets so much emphasis that it is not in the mind to return the borrowed thing or money and the result is this: cutting the trench of friends, humiliation in the society, slander etc. Then it’s a ‘wolf came thing. Even if there were a real need, there is no money. Therefore, one should decide never to borrow anything or money. ‘