I try not to lean too far in either direction, neither extreme frugality nor careless overspending. Instead, I aim for balance. That’s the ideal most of us strive for, though life often brings unforeseen circumstances that tip the scales.

In my personal finances, I set budgets for everything – EMIs, home needs, groceries, and other essentials. Somehow, the expenses still exceed what I planned, and I find myself adjusting again. 😅

What I’ve noticed is interesting: when I loosen my grip a little instead of tightly controlling every rupee, money somehow flows in alignment with my needs. That doesn’t mean we should completely let go of discipline. We must still keep a check on spending, especially on unnecessary things.

Sometimes daily life requires a bit of jugaad – smart adjustments – and at other times, spending more is actually the wiser choice. Both can yield positive results when done consciously. Prosperous people tend to attract more prosperity and it happens in opposite direction too.

Ultimately, it all comes down to money & mind – something I’ve reflected on before. Even Lord Venkateshwara is said to be indebted to Kubera, the god of wealth. In one way or another, we all carry financial responsibilities; what matters is how we manage them.

The real key lies in mastering the mind. Control your impulses, spend where it truly matters, and avoid excess. A mindset of lack often attracts more lack, while a mindset of prosperity invites stability. Maintaining that mindset isn’t always easy – but when we learn to guide our thoughts and emotions, our finances often begin to follow.

In the end, budgeting isn’t about restricting your life – it’s about directing it. When the mind is disciplined, money naturally learns where to stay and where to flow.