I m not sure how do they manage their budgets

Can't imagine spending ⏲️ and 💰 buying something that changes nothing in my life. I think the actual answer is, they don't. Most people I know are winging their money story in life.

Loan le ke. Consumption loans are ballooning in India.

bank walo ka fayda hi fayda

EMI ka khel hai

Loan

Loans hi loans

E M I