In today's world, most transactions are carried out through electronic means, such as credit cards, mobile wallets, and other digital payment systems. These payment methods have made it convenient for us to buy anything, anytime and anywhere, without physically handling money. However, this change has also led to an increase in our spending habits. This phenomenon is known as the "cashless effect." In this article, we will discuss the cashless effect, its impact on our spending habits, and how we can overcome it. Read More