No! I think it is important to be able to spend on essential things you can't do without it
That is what you earn Second, think of what are the non-essential but important spending Have some allocation to fund as well Fun spending
You are postponing some of your consumption for your long-term financial security, and that is crucial It's all about being prudent
And if you really borrow today to spend for something which is unproductive, which will not grow in value, that I think is a dangerous thing Because then,
there is a possibility that you will never get out of it For emergencies, it is understandable, but borrowing to consume is a very risky strategy You have to really strike a balance between these three Besides that, individuals have one more avenue, which is work towards growing your income