Every month, the same cycle repeats. Salary comes in → “Yaar, paisa khatam hi nahi hota!” → 10 days later → “Yaar, paisa bachta hi nahi!”
Sound familiar?
Most Pakistanis struggle with money—not because they don’t earn enough, but because they don’t manage it well. The real problem isn’t just low income or inflation, it’s bad financial habits, wrong mindset, and lack of financial literacy.
So, how do we fix it? Let’s break it down step by step.
1. We Never Learn How to Manage Money
Schools teach everything except money. You memorize trigonometry formulas but never learn how to budget, save, or invest. So, when we start earning, we have no clue what to do with money.
📌 Solution: Start learning now!
- Follow basic money rules (like the 50/30/20 rule).
- Read books like “The Psychology of Money” by Morgan Housel.
- Learn about savings, investments, and budgeting.
If you don’t control your money, your money will control you.
2. We Spend More Than We Earn (Because of “Dikhawa”)
One of the biggest money traps in Pakistan? Showing off.
❌ Buying an iPhone on installments when a mid-range phone works fine.
❌ Eating out every week just to post on Instagram.
❌ Taking loans for weddings just to impress relatives.
The truth? The same people you’re trying to impress won’t help you when you’re broke.
📌 Solution: Stop spending to impress others.
- Live below your means (spend less than you earn).
- Avoid unnecessary loans.
- Prioritize savings over flexing.
3. We Don’t Track Our Expenses (Money Disappears Like Magic!)
Most Pakistanis have no idea where their money goes. They withdraw cash, spend a little here and there, and suddenly—poof! Paisa gayab.
📌 Solution: Track every rupee.
✅ Use a simple notebook or a money tracking app like Money Manager.
✅ Write down ALL expenses (chai, rickshaw, shopping, everything).
✅ Find where you’re wasting money and cut back.
When you track your expenses, you’ll automatically start saving.
4. We Think Saving = Sacrificing
“Yaar, paisa save karne ka faida? Mehngai barhti ja rahi hai.”
This is the most dangerous mindset. People think saving means “not enjoying life.” In reality, saving = buying your future freedom.
📌 Solution: Save first, spend later.
✅ Follow the 50/30/20 rule (50% needs, 30% wants, 20% savings).
✅ Automate savings—transfer money to a separate account on payday.
✅ Even if it’s just Rs. 2,000/month, start NOW.
Saving today = less stress, fewer loans, and more freedom tomorrow.
5. We Rely Too Much on Udhaar (Loans & Credit Cards Keep Us Poor)
“Yaar, bas thodi deri ki baat hai. Agli salary pe wapas kar dunga.”
This thinking keeps Pakistanis trapped in a never-ending debt cycle. Loans, credit cards, and “baad mein de dunga” habits destroy financial freedom.
📌 Solution: Avoid bad debt at all costs.
✅ No loans for luxuries (only take loans for investment).
✅ Pay off your debts ASAP (start with small ones first).
✅ Build an emergency fund so you never have to borrow.
If you don’t control debt, debt will control you.
6. We Rely Only on Salary (Instead of Building Multiple Income Sources)
Most Pakistanis depend 100% on their salary. But in today’s world, a single income is not enough.
📌 Solution: Build multiple income streams.
💻 Freelancing (Upwork, Fiverr, etc.)
🛍️ Online business (drop shipping, print-on-demand)
📈 Investing (stocks, real estate, mutual funds)
💡 Monetize your skills (teaching, consulting, content creation)
Even an extra Rs. 10,000/month can change your financial future.
7. We Don’t Invest (Because We Fear Losing Money)
Pakistanis love gold, cash, and “zameen.” But they avoid stocks, mutual funds, and businesses because they think investing = “paise doob jayein ge.”
📌 Solution: Start investing smartly.
✅ Invest in knowledge first (learn before jumping in).
✅ Start small (Rs. 5,000 in stocks/mutual funds).
✅ Think long-term (wealth is built over years, not months).
Saving keeps money safe—investing makes it grow.
Final Thoughts: Fix These Habits & Take Control of Your Money!
Pakistanis struggle with money not because of low salaries, but because of poor money habits. If you:
✅ Track your spending
✅ Save & invest wisely
✅ Avoid debt
✅ Build multiple income streams
…you’ll never worry about money again!
So tell me—which habit will you fix first? 👇
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