Dubara Karchulu?

[phatposts]

Definition of dubara is diff from person to person. Try to understand where the money is goin. Oka 1-2 months expenses anni single credit/debit card meeda spend cheyyi. If you have family give an authorized user card to your partner and ask to spend on that. No need to control or stop spending from the usual pattern at this point. Oka 2-3 months tarvata you sit down and see where you are spending the most and observe what is unnecessary or what could be controlled. 

For example - you may not 10 subscriptions for the amount of TV you watch, how much online shopping you do and how much is needed, you cannot be spending full amount on grocery as well as take/eat out without wasting one aspect etc. 

It is not a stop and start process to fix overnight. Indulo pisinari, kanjooz ala emi ledu. You decide what works best for your situation and take it from there.