*In last 10 years, 10 major reason for degradation of financial situation of a family*
1. Everyone in family owns smartphone

2. Vacations under social pressure

3. Buying a car as a status symbol

4. Avoiding home made food and unnecessarily eating out on weekends

5. Brand concious for salons, parlours and clothes. Spoiled lifestyle is increasing medical expenses.

6. *Trying to make Birthday and anniversary special by spending more money rather than time together.*

7. Grand weddings and family functions

8. Commercialization of schools and tuitions.. education...

9. Spending what you haven't yet earned... loan and credit card .

10.Spending tons of money on interior of house & office and increase of the Maintainance cost.
*Income is not growing at the rate at which expense is growing.. results in more distress & less peace.*