We all want to be good with money — but sometimes, life throws curveballs that drain our wallets and test our willpower. Whether it’s splurging on a trip or swiping the credit card a little too confidently, most of us have made choices that haunt our bank accounts later. CA Nitin Kaushik recently took to X to share a relatable list of money mishaps many of us have experienced but don’t always talk about. His post, titled “Never Have I Ever… Money Edition”, hit a nerve online — and for good reason.
Here’s a look at his brutally honest roundup of everyday financial struggles:
1. Swiped a loan for a vacation
"I deserve this break" — we've all said it. But that relaxing trip starts feeling less relaxing when the EMI reminders roll in. As Kaushik says, “Taking a personal loan for a trip feels fun… till the bills pile up.”
2. Paid school fees with a credit card… and missed paying it off
You managed to pay the fees. Great. But if you didn’t clear the card on time? That Rs 1 lakh bill can silently grow into a Rs 1.3 lakh problem thanks to compounding interest. As Kaushik puts it: “Interest snowball starts.”
3. Worried about the next meal
Salary delayed? Zero savings? Suddenly, buying basic groceries feels like a luxury shopping spree. It’s a fear many quietly live with — but rarely say out loud.
4. Borrowed from a friend and missed repayment
There’s guilt, embarrassment, and awkward silence. “Nothing burns your self-respect like dodging a friend over Rs 5000,” Kaushik notes. It not only strains relationships but can also deeply dent one’s confidence.
5. Skipped hanging out ‘cause you’re broke
Your friends are chilling, and you're stuck at home, not because you want to — but because your wallet said, “Sit home, boss.” The FOMO is real, but the bank balance is louder.
6. Hunted the entire house for loose change
From rummaging through old jeans to digging through sofa cushions, most of us have gone on a “money treasure hunt” at some point. It’s both humbling and oddly universal.
CA's takeaway?
Kaushik drives home a powerful truth: Money struggles are more common than Instagram shows. But the good news is that it's never too late to fix the money game. His advice is simple but solid:
– Always track your expenses
– Stay away from bad debt
– Build an emergency fund
– Even investing just Rs 500/month can change your future
Here’s a look at his brutally honest roundup of everyday financial struggles:
1. Swiped a loan for a vacation
"I deserve this break" — we've all said it. But that relaxing trip starts feeling less relaxing when the EMI reminders roll in. As Kaushik says, “Taking a personal loan for a trip feels fun… till the bills pile up.”
2. Paid school fees with a credit card… and missed paying it off
You managed to pay the fees. Great. But if you didn’t clear the card on time? That Rs 1 lakh bill can silently grow into a Rs 1.3 lakh problem thanks to compounding interest. As Kaushik puts it: “Interest snowball starts.”
🔥 Never Have I Ever… Money Edition 🔥
— CA Nitin Kaushik (@Finance_Bareek) August 4, 2025
1️⃣ 💳 Swiped a Loan for a Vacation
•“I deserve this break” → EMI regrets for months
Taking a personal loan for a trip feels fun… till the bills pile up.
2️⃣ 🏫 Paid School Fees With a Credit Card… & Missed Paying It Off
•Paid the fees…
3. Worried about the next meal
Salary delayed? Zero savings? Suddenly, buying basic groceries feels like a luxury shopping spree. It’s a fear many quietly live with — but rarely say out loud.
4. Borrowed from a friend and missed repayment
There’s guilt, embarrassment, and awkward silence. “Nothing burns your self-respect like dodging a friend over Rs 5000,” Kaushik notes. It not only strains relationships but can also deeply dent one’s confidence.
5. Skipped hanging out ‘cause you’re broke
Your friends are chilling, and you're stuck at home, not because you want to — but because your wallet said, “Sit home, boss.” The FOMO is real, but the bank balance is louder.
6. Hunted the entire house for loose change
From rummaging through old jeans to digging through sofa cushions, most of us have gone on a “money treasure hunt” at some point. It’s both humbling and oddly universal.
CA's takeaway?
Kaushik drives home a powerful truth: Money struggles are more common than Instagram shows. But the good news is that it's never too late to fix the money game. His advice is simple but solid:
– Always track your expenses
– Stay away from bad debt
– Build an emergency fund
– Even investing just Rs 500/month can change your future
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