Swipe Smart: How Your Mind Shapes Your Credit Habits

Budgeting and discipline, with a clear purpose, are key to smart credit use and achieving goals

- Bhushan Padkil

In today's fast-paced world, credit is deeply woven into our daily lives. Whether it's upgrading to the latest smartphone, planning a spontaneous getaway, or investing in personal development, credit gives us the freedom to act without waiting. But what really drives these financial decisions?

The answer often lies in the psychology of spending—how our emotions, habits and mental shortcuts influence when we choose to borrow, how much we spend, and how we manage repayments. Understanding these patterns can help us take more control of our behaviour and build a healthier, more empowered relationship with money.

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