Don’t panic. You’re not alone.
Over 60% of earners lose momentum on their money goals by mid-year. Life happens.
But with a smart reset strategy, you can still finish strong.
Here’s how Vizzve Finance recommends getting back on track—without guilt or confusion.
🧭 1. Revisit & Reassess: Your Goals Might Need Tweaking
Start by asking:
Were your goals too ambitious?
Did your income or expenses change?
Did unexpected events (layoffs, illness, travel) affect savings?
👉 It’s okay to edit your goals. Just don’t abandon them.
💰 2. Automate What You Can
Missed SIPs or loan EMIs? That’s a warning sign.
✅ Vizzve Tip:
Automate these right now:
Monthly savings transfers
Loan EMIs or rent
Utility bills
Automation reduces friction and protects your credit score.
📊 3. Track the Leak: Audit Your Spending
Use budgeting apps or your bank’s PDF statements to track:
Unnecessary subscriptions
Swiggy/Zomato overload
Unused OTT platforms
EMI interest payments
✅ Vizzve Tip:
Use the 50-30-20 rule:
50% for needs
30% for wants
20% for savings/repayment
💡 4. Prioritize Your Most Critical Goal
You may not achieve everything this year—but aim to hit the most important one.
| Example Goals | Focus Tactic |
|---|---|
| Emergency fund | Cut dining out, pause shopping |
| Debt-free target | Channel bonuses/side income |
| Home loan down payment | Start RD or FD ladder |
🚨 5. Avoid New Debt—Unless It’s Strategic
Don’t borrow more unless:
It’s to consolidate high-interest debt
You’re investing in a skill or business
It helps you switch from rent to ownership
Vizzve Caution:
Say no to impulsive BNPL buys or quick personal loans just to “feel better.”
🔄 6. Do a Monthly Money Check-In
Create a 5-minute habit:
Log income
Track spends
Check upcoming EMIs/bills
Reflect on progress
Think of it like a fitness tracker—but for your finances.
💬 FAQs
Q1. I’ve saved nothing this year. Is it too late to start?
Never. Start with ₹100 a day. That’s ₹18,000 by year-end with daily UPI automation.
Q2. Should I delay my investment goals due to EMIs?
If EMIs are urgent (like a home or car loan), yes. Else, keep SIPs active—even if reduced.
Q3. Can Vizzve help with a short-term loan to reset things?
Yes! Vizzve offers fast-approval, transparent loans that don’t trap you in debt, ideal for consolidating or restarting.
✅ Final Thought from Vizzve
Falling behind doesn’t mean failure.
It means you’re human. What matters is your response—not your stumble.
With Vizzve, you always have a second chance to rebuild, replan, and rise.
Vizzve Finance – Where Financial Goals Get a Fresh Start.
Published on : 12th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.