New Delhi, March 20 -- Do you feel your salary disappears as soon as it hits your account? You are not alone. Many people struggle as EMIs and loan repayments quietly consume a large share of their monthly income.

This leaves little room for savings or discretionary spending. Easy access to credit, digital loans, and rising borrowing costs have made budgeting even harder. But with smarter planning, you can regain control of your finances and your peace of mind.

Rohit Patwardhan, Chief Credit Officer at HDB Financial Services, said, "Rising EMIs can strain household cash flows if not managed proactively. Consumers should reassess discretionary spending, prioritise high-interest debt and build a contingency buffer. Structuring repayments ...