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On the modality of income, the modesty of the happiness of the householder of man is not invoked, but the total happiness remains on spending his income by right management and restraint and according to the classical rules.

Spending our money wisely is an art, which our families are grieved for not knowing. Many people leave necessary expenses but spend on comfort and luxury. People complain of inflation while buying life-saving materials, but do not experience inflation when buying luxury items, for example – tea, tobacco, cigarettes, cinema, liquor, fashion, flamboyant clothes, neckties, hats.

  • Persons with uncertain expenses

The relationship of income is dependent on our nature, habits, fashion, mode of living, climate, country, needs, number of household members, rituals, conduct. We have to take care of each of them. The shortage or excess of income varies according to the circumstances of the consumers. It is often seen that when it becomes habitual, man spends on luxury more than spending on necessities. A person who is addicted to liquor, tea, cinema, prostitution, tobacco, ganja, hashish, they do not like to spend in life preservation and dexterity – milk, curd, butter, airy house etc. The fashionistas, despite not seeing the poverty of the house, are caught in the outdoor teetop, false display. Poor people take loans for a little applause and spend in marriage, marriage or charity etc. The poor laborers are also not afraid of spending on addictions like betel, cinema, tea, gambling, betting, alcohol etc. Even the beggars like to drink tea, they like milk more than bread.

For a rich man, luxurious palaces, electric fans, lamps, motors, fountain pens, garish clothes, decoration items would be considered comfort items, but for a poor farmer, or clerk, a modest shopkeeper, these items would be considered luxury. Things will be accepted.

Always keep an eye on your income. Spending more than income is a sign of absolute stupidity and bankruptcy. As -2 income decreases, so also keep reducing 2 expenses in the same proportion. Continue to remove luxury and comfort items from the expenditure, quit the addiction, eat cheap, eat one time, wear cheap. Stay in a modest house, work on your own by rescuing the servants, do the work of a washerman, even if you clean the utensils yourself, but do not keep your feet outside the income.

  • Never borrow

Credit is a problem that weaken all the powers of man. He has to look down in front of everyone, hands are tight. Remember the experience and learning of Shri Santosh Narayan Nautiyal.

‚ÄúThere cannot be two opinions on how to borrow. There is only one answer – habit is very bad. While borrowing, whether it is money or anything else, nothing is known, but the condition deteriorates while giving. Looks like, throwing money away. Gradually -2 this habit gets so much emphasis that it is not in the mind to return the borrowed thing or money and the result is this – cutting the trench of friends, humiliation in society, slander etc. Then it is a ‘wolf came’ thing. Even if there was a real need, there is no money. Therefore, one must decide never to borrow anything or money. ‘

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