Few IPL teams spark as much emotion as the Punjab Kings (PBKS) — dramatic wins, heartbreaking losses, and constant hope for a title shot.
They are impulsive yet passionate, just like many of us when handling money.
🧠 Emotion drives the game.
💸 But in finance, discipline drives success.
Let PBKS’s journey teach you why emotional spending can be costly and how financial patience is your ultimate powerplay.
💔 1. Emotional Spending: The PBKS Trap
From panic buys in IPL auctions to high-risk changes, PBKS sometimes acts from the heart, not the head.
The result? Inconsistency.
🛒 Finance Parallel:
Emotional spending = buying what feels good now without thinking of long-term goals.
Examples:
Online shopping when sad or stressed
Celebratory splurges post salary
“Retail therapy” during breakups or burnout
💡 What to Do Instead:
Pause 24 hours before any purchase over ₹1,000
Use wishlist apps to delay gratification
Track mood vs. spending in the Vizzve app
🧘 2. Financial Patience = Long-Term Success
Just like PBKS fans who wait every year for that breakthrough, financial growth also demands patience, persistence, and trust in the process.
🧾 Practice This:
Set SIP investments with long horizons (5+ years)
Delay big purchases till you’ve saved 70–80% of cost
Avoid FOMO investing—chasing hot stocks leads to regret
Vizzve Tip:
Automate saving goals with Vizzve’s Smart Save feature, so you invest before spending.
📉 3. Don’t Let Financial Failures Break You
PBKS has faced eliminations, heartbreaks, and resets. Still, they come back every season.
Similarly, one bad financial year doesn’t define your future.
Your Bounce-Back Toolkit:
Debt snowball method
Monthly budget check-ins
Rebuild credit via Vizzve’s low-interest EMI plans
💡 Real Story:
Jasleen, 27, from Ludhiana, maxed out two credit cards during COVID due to stress and “emotional shopping.”
She:
Set up expense limits in Vizzve
Started journaling her spending triggers
Switched to a “cash-only” mode for 3 months
Now, she’s cleared 70% of her debt and feels more in control.
FAQs
Q1: Why do I spend emotionally?
It often comes from stress, boredom, or a need for quick comfort. Identifying your trigger is step one.
Q2: Is all spending bad?
No! Spend with intention, not impulse. Plan your joys too—like a vacation fund.
Q3: What helps build financial patience?
Set timelines for goals (home, car, emergency fund)
Celebrate small wins
Track progress visually—use apps like Vizzve
Published on :July 4th
Published by : Kaushik
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