New Delhi, April 1 -- As summer sets in, the rhythmic hum of air conditioners (ACs) becomes constant background noise, even in mindful households. Along with rising temperatures come rising expenses.

What starts as a series of small, comfort-driven decisions, like a chilled bottle of coconut water or an AC cab ride instead of the usual rick, adds up to a significant amount during this season.

Summer and monsoon months, with their lifestyle shifts and seasonal illnesses, often test household finances the most. From doubling electricity bills to unplanned medical costs during the rains, prudent budgeting must account for these predictable climate-driven spikes.

Summer often triggers last-minute purchases of high-ticket items such as refr...