Ordering food online is convenient, fun, and addictive. But here’s the reality — Swiggy and Zomato might be silently eating up your budget.
At Vizzve Finance, we’re not asking you to stop enjoying your favourite biryani or bubble tea — we’re helping you take control of your spending.
📉 The ₹5,000/Month Habit You Didn’t Notice
Here’s a basic breakdown:
| No. of Orders | Avg. Cost | Monthly Total |
|---|---|---|
| 4 orders/week | ₹300/order | ₹4,800 |
| Add tips, delivery, surge fees | +₹1,000 | ₹5,800/month |
| Yearly Total | — | ₹69,600/year 😱 |
That’s almost 3 iPhones, or a solid emergency fund.
🍟 Why Online Food Ordering Feels “Innocent”
🧠 1. Digital Payments = No Pain of Spending
Swiping UPI or cards doesn’t feel like spending cash — so you don’t feel the cost.
📲 2. Smart Notifications & Offers
Swiggy and Zomato use AI to tempt you when you’re hungry, stressed, or bored — leading to impulse spending.
🍕 3. Social & Comfort Triggers
Late-night hunger pangs, weekend Netflix binges, or peer pressure all play a role.
💡 Vizzve Finance Tips to Regain Control
✅ 1. Set a Monthly Food Delivery Budget
Example: ₹1,500/month cap
Use apps like Walnut, Wint, or Vizzve’s tracker (coming soon) to set alerts
✅ 2. Limit Delivery Days
Assign 1–2 days/week as "delivery days." Cook or eat at home the rest. You’ll appreciate the orders more, too.
✅ 3. Use Prepaid Wallets
Load a fixed amount (say ₹2,000/month) into a wallet. When it’s over, you stop spending.
✅ 4. Unsubscribe from Notifications
Out of sight = out of mind. Disable push alerts from food apps during weekdays or working hours.
✅ 5. Cook Simple Alternatives
Craving pizza? Make a ₹99 homemade version instead of a ₹499 delivery one.
📊 Your ₹300 Swiggy Order vs Homemade Equivalent
| Meal | Swiggy/Zomato | Homemade |
|---|---|---|
| Butter Paneer + Naan | ₹320 | ₹90 |
| Masala Dosa | ₹180 | ₹40 |
| Chicken Biryani | ₹350 | ₹130 |
Savings per week: ₹600–₹1,000
Annual savings: ₹30,000–₹50,000
🧠 Train Your Brain for Better Habits
Use Vizzve Finance’s 5-second pause rule:
Before you hit “Order Now,” ask:
"Do I want it, or do I need it?"
That tiny pause can help avoid huge monthly expenses.
🔐 Bonus: Turn Savings Into Investments
Saved ₹2,000/month from fewer food orders? Start a SIP (Systematic Investment Plan).
Even at ₹2,000/month, you can build:
₹1.4 lakhs in 5 years
₹4.9 lakhs in 10 years (at 12% annual return)
🚀 That’s future biryani paid for by past discipline.
🙋♂️ FAQs
Q1: Should I stop ordering food entirely?
A: No! Just budget it. One or two guilt-free orders a week are fine if they’re planned.
Q2: What apps can track my delivery spending?
A: Apps like VizzveFinance, Cred, and Walnut help categorize Swiggy/Zomato spends easily.
Q3: What if I live alone and cooking is hard?
A: Batch cook. Invest in a rice cooker or meal kits. You’ll save money and time.
📢 Final Thought from Vizzve Finance
Swiggy and Zomato are great — in moderation.
Don’t let delivery become debt-livery.
🍱 Control the cravings. Empower your wallet.
Your future self will thank you with compound interest.
Published on : 19th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.