RESUME APPLICATION PAY PREMIUM
Fund Performance

Fund Performance

Knowledge Center

Knowledge Center

About Us

About Us

Tools and Calculators

Tools & Calculators

Quick links

Mobile (Download app)
  • Webpages
  • Documents
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment

For NRI Customers

(To Buy a Policy)

(If you're our existing customer)

For Online Policy Purchase

(New and Ongoing Applications)

Branch Locator

For Existing Customers

(Issued Policy)

Fund Performance Check

RESUME APPLICATION PAY PREMIUM

What do you want to do?

Quick links

Mobile (Download app)

Download HDFC Life App

Buy plans, track your policy, make renewal payments & monitor fund performance with HDFC Life App, Download Now!

Apple Logo Go to Google Play Store

Feeling Stuck in Life & Money? The Power of Doing Less Could Mean Doing More

down-arrow
Feeling Stuck in Life & Money? The Power of Doing Less Could Mean Doing More
March 27, 2025

Table of Contents

 

Feeling overwhelmed is normal. It can be because of a joyous occasion or due to an exhausting week at work or multi-tasking everyday. The feeling only goes away when you get some clarity on where you stand.

However, did you know that your finances can also overwhelm you? It may sound like a laughing matter, but it is true. 

People have been known to manage 4 or 5 bank accounts, multiple credit cards, and multiple demat accounts. Some handle dozens of fund folios or insurance plans. On paper, it looks like diversification. However, it’s often just clutter. Many can’t even recall why half those accounts exist.

Hence, it is no surprisethat financial overwhelm is so common today. Too many accounts. Too many apps. Too little clarity. For many, managing money feels like yet another full-time job.

Maybe it’s time to make space. To clear the mess. You don’t need a dozen plans to feel secure. Fewer, smarter choices can often do more.

Simple to be happy, difficult to be simple

Have you ever wondered why do so many people fill their lives with too many financial products? It’s often rooted in fear. The fear that they may be missing out. Or the fear that they are not doing enough. Many feel safer having ‘more’. This translates to more accounts, more funds, more insurance plans! 

Unfortunately, it creates a false sense of control. People also believe that complicated equals smart. If their money is spread across ten different places, it feels like they’re doing something right. But often, it’s the opposite.

There’s also the comfort of habit. Think of it like collecting old clothes. Without stopping to clear out what no longer fits, you keep on accumulating. Social pressure plays a role too. When friends boast about new investments or the latest scheme, it’s easy to follow along, even if it adds to the clutter.

And then, there’s decision fatigue. With so many options available today, people end up taking on more, hoping it will somehow ‘cover all bases’. In reality, it only adds to stress.

Truth is, simplicity takes courage. But once you choose it, life and money can feel lighter.

Break the clutter

That’s why you should consider solutions like insurance and ULIPs. These aren’t just financial products, they are anchors. A well-chosen insurance plan can protect your loved ones, even if life throws you a curveball. ULIPs go a step further, blending some protection with a bigger share of investment. One plan, two benefits. It’s simple and effective.

You will find that when you focus on essentials like these, things start to feel lighter. You reduce the clutter. You gain more control. Instead of spreading yourself thin across scattered products, you create a strong, clear financial base.

The best part is that You don’t need keep checking ten dashboards every week. With the right plans, you can breathe easier, knowing that you’re covered and your money is growing. It’s about working smarter, not harder, and that’s with your finances too.

10 anti-overwhelm money fixes

So, how can you keep money matters simple? Here are ten easy ways.

1. Stick to 1-2 bank accounts you actually use.

2. Keep one demat account for all your investments.

3. Choose one insurance plan that gives solid protection.

4. Go for a ULIP if you want both protection and investment in one.

5. Review your money once a month, not every day.

6. Avoid buying products just because others are.

7. Have one clear goal for each investment. Don’t mix them up.

8. Automate savings and premium payments.

9. Get rid of unused accounts or cards.

10. Speak to one trusted advisor, not ten.

And what’s the signal that you might be complicating things? If you feel anxious just opening your banking app or if you lose track of where your money is parked, that’s your clue. Simplicity isn’t about doing less for the sake of it. It’s about making space to focus on what matters like security, growth, and peace of mind.

Simplify to multiply happiness

At the heart of it all, simplicity isn’t just a financial decision. It’s actually a lifestyle choice. The calmer your money habits, the freer your mind feels. 

When you create room by cutting out the excess, you make space for better things. Time with family. Clearer thinking at work. Maybe even a bit more sleep.

A simpler financial life also helps you respond faster when life changes. Whether it’s a job shift, a sudden expense, or an opportunity to invest, clarity gives you confidence. No more scrambling through piles of documents or forgotten accounts.

It’s easy to get caught in the race such as the quest for more products, more dashboards, more ‘smart’ moves. But real smartness? It’s in keeping it lean. Life’s already busy enough. Let your money life be the part that feels light and easy.

Because when your finances are simple, happiness doesn’t feel so far away, does it?

Related Articles

ARN: ED/03/25/22520

Term Plan Articles Term Plan Articles

Investment Articles Investment Articles

Savings Articles Savings Articles

Life Insurance Articles Life Insurance Articles

Tax Articles Tax Articles

Retirement Articles Retirement Articles

ULIP Articles ULIP Articles

Health Plans Articles Health Plans Articles

Child Plans Articles Child Plans Articles

Popular Calculators Popular Calculators

Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

LinkedIn profile
Author Profile Written By:
Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

LinkedIn profile
Reviewed By Reviewed By:

Here's all you should know about life insurance.

We help you to make informed insurance decisions for a lifetime.

Feeling Stuck in Life & Money? The Power of Doing Less Could Mean Doing More

Feeling Stuck in Life & Money? The Power of Doing Less Could Mean Doing More

Overwhelm money management can leave you stressed. Learn how simplifying your finances with fewer, smarter choices can bring clarity, security, and peace of mind.

The ₹1.2 Crore Question: Is Your Financial Plan as Strong as Your Dream Home?

Why Your Savings Strategy Needs an Upgrade (Hint: It’s Not Just About Returns)

Savings Bank Account vs Insurance Plans: Why You Need Both in Your Portfolio

Learn importance of savings bank accounts and insurance plans in a financial portfolio, as they help protect assets and grow wealth through security and planning.

Savings Bank Account vs Insurance Plans: Why You Need Both in Your Portfolio
The ₹1.2 Crore Question: Is Your Financial Plan as Strong as Your Dream Home? Previous
The ₹1.2 Crore Question: Is Your Financial Plan as Strong as Your Dream Home? Next
HDFC life
HDFC life

HDFC Life

Reviewed by Life Insurance Experts

HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER

We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.

Popular Search

Popular Searches