Archive · 31 Jul 2026
Delhi Woman Cuts UPI Use, Switches to Cash
Sadaf is a woman from Delhi who decided to stop using the digital payment app UPI for most of her everyday shopping.
Instead, she now pays with cash.
She says that seeing the money leave her wallet makes her think twice before buying things.
Because of this, she spends less on small items like coffee and snacks.
She keeps about 80% of her money in cash and 20% in UPI for times when a shop doesn’t have change.
Sadaf thinks this way of paying helps her keep a better budget and she plans to keep using cash for the next few months.
Sadaf has avoided UPI for over two months, using cash for most daily purchases.
She reports being more aware of spending and less prone to impulse buys.
Cash allows her to see exactly how much money is left, simplifying budgeting.
The main drawback is that many shopkeepers no longer carry cash, requiring occasional UPI use.
She plans to keep using mostly cash, keeping about 80% cash and 20% UPI for change issues.
- Who
- Sadaf, a Delhi woman
- What
- Quit using UPI for most daily payments and switched to cash
- When
- Over two months, now in month three of the experiment
- Where
- Delhi, India
- Why
- To become more conscious of spending and reduce impulse purchases
- Spending method
- Cash
- Duration of experiment
- over two months
- Cash usage percentage
- 80%
- UPI usage percentage
- 20%
- Main benefit
- Reduced impulse spending
- Main drawback
- Cash not accepted by all shopkeepers