Mahashivratri: The wants fast
- Kaustubh Kale

- 3 hours ago
- 2 min read

Mahashivratri is associated with discipline, stillness, and control over impulses. Most people interpret fasting as a food ritual. But what if you tried a different kind of fast this year - one that improves your finances and your health? I call it as “Wants Fast” for 30 days.
The Simple Rule
The idea is simple. For one full month, you do not spend money on wants, only needs. Not as punishment, but as a reset - because in personal finance, the biggest damage rarely comes from one big mistake. It comes from small, frequent “leaks” that quietly drain your wealth.
Needs vs Wants
Let us define it clearly. Needs are essentials: groceries, medicines, fuel, rent/EMIs, electricity and phone bills, and truly necessary household and work expenses. Wants are everything else: online shopping “because it was on sale,” impulse café visits, random Swiggy/Zomato orders, unplanned outings, new gadgets/accessories, and subscriptions you do not even use.
Why It Works
This experiment works because impulse spending is emotional, not logical. We buy because we are bored, stressed, tired, or scrolling. A Wants Fast breaks that loop, and you will quickly spot patterns you never noticed before.
The 48-Hour Pause Protocol
To make it practical, follow a few rules. Start with the 48-Hour Pause Protocol. Whenever you feel like buying something non-essential, wait 48 hours. You will be shocked how many “must-haves” disappear in two days.
The One Place Investment Rule
Now here is the key upgrade for this month. Do not just save the money you avoid spending, invest it, and invest it in one place. Pick one instrument only for the entire month: one mutual fund scheme, or one good-quality stock, or one ETF (like a Nifty ETF, for simplicity). Every time you skip a want, take that exact amount (or consolidate it weekly) and invest it into that single chosen instrument.
Why Consolidation Matters
Why this “one place” rule? Because consolidation makes the result visible. When you spread savings across multiple items, you do not feel the impact. But when all that avoided spending accumulates in one mutual fund, one ETF, or one stock, you will physically see how much money was leaking from your lifestyle. Many people underestimate this until they witness the lumpsum created in just 30 days.
The Health Dividend
And yes, there is a health benefit too. A Wants Fast naturally reduces ordering out, late-night snacking triggered by scrolling, and “reward spending” that often comes with sugary drinks and junk food.Money improves, and so does your body.
The 30-Day Audit
At the end of 30 days, do a personal audit: which expenses were pure noise, and which were definitely necessary. Because fasting is not about hunger, it is about control. If you like the concept of Wants Fast, maybe extend it for a month or two more, remember - money saved is money earned.
(The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)





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