EMI Mat Lo, Toh Neend Achi Aati Hai
(A small story, and maybe, a reminder.)
You know that feeling when you first open the box of a brand-new phone? That little thrill in your chest, the plastic peeling off, the shine, the smell of “new.” I felt it too.
A couple of years ago, I got myself the latest iPhone — EMI pe.
“Bas 2,999 rupaye mahina — itna toh coffee pe kharch ho jata hai.” That’s what the ad said. And I thought, sahi toh keh rahe hain yaar.
So I bought it.
First month? Wah! Kya phone hai!
Second month? Okay, chalo kaat lo EMI.
Third month? Yaar, is baar thoda tight hai, but chalo, nikal jaayega.
By the sixth month, I wasn’t even excited about the phone anymore. I just wanted the EMI to go away.
And that’s when it hit me — main cheez se zyada, uske bojh ke saath jee raha hoon.
It Doesn’t End with One
After that came the TV. Then the sofa set. Then I thought, “Ek used car le lete hain, EMI pe hi sahi.” I wasn't even living paycheck to paycheck anymore — I was living EMI to EMI.
Every first of the month felt like exam results day. Will my bank balance survive or not?
Neend? Woh toh kab ki chali gayi thi.
Even when I slept, it felt like my mind was awake, calculating — what if I lose my job? What if there's a medical emergency? What if…?
The Day I Decided
One night I couldn’t sleep again — and not because of caffeine or overthinking, but just… this heavy feeling of being tied to too many things. That’s when I promised myself:
No more EMIs. No more buying what I can't afford.
Not because I don’t want nice things, but because I want peace more.
I started small — cleared off my phone payment. Sold the car. Started walking more. I even went back to my old reliable phone for a while. And slowly, month after month, the EMIs disappeared.
You know what returned?
Neend.
The real kind — the “head hits the pillow and you’re gone” kind.
What I Learnt
We often think happiness comes from things. But real happiness is when your mind isn’t racing at 2 a.m.
When your phone buzzes and it’s not a bank message.
When your money isn’t already spoken for.
Today, if I can’t buy it with what I have, I don’t buy it. Simple.
And no, life isn’t any less fancy. In fact, it feels lighter, freer — real.
So if you're thinking of swiping that card for something you "deserve"...
Take a breath.
Wait a little.
Save a little.
Because honestly?
EMI mat lo, toh neend achi aati hai.
Aur neend, mere dost — woh priceless hoti hai.
