WASTING
MONEY
USING
GAIN/LOSS/WASTAGE COMMENTS WASTING
MONEY
USING
GAIN/LOSS/WASTAGE COMMENTS
ATM DEBIT CARD FROM
STATE BANK OF INDIA
127.10 INR TO 32.80 INR
THIS AMOUNT VARIES
BASED ON YOUR SPENDING
AND CURRENT RATE FROM
SELLERS WHEN WE BUY
USING SBI REWARDS.
SBI PROVIDING SBI REWARDS
IF WE SPEND 200.00 INR,
WE USED TO GET ONE POINT
GAIN MORE POINTS USING SBI DEBIT CARD
FOR ONE/TWO/THREE YEARS.
ONCE REACHING REQUIRED POINTS,
WE CAN BUY ITEMS USING SBI REWARDS.
NO BARGAINING.
GPAY 03.00 INR AFTER SPENDING 5471.00 INR ONLY GPAY PROVIDING
03.00 INDIAN RUPEES
AFTER SPENDING 5471.00 INR
BASED ON TRIAL AND ERROR
EXCEPTION
NO BARGAINING.
PAYTM 0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
PHONEPE 0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
BHIM APP 0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
AXIS Pay 0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
CRED 0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
YONO SBI
SBI
MOBILE
BANKING
0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
SBI
INTERNET
BANKING
0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
HDFC/ANY
PRIVATE BANKS
INTERNET
BANKING
0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
HDFC/ANY
PRIVATE BANKS
Mobile
Banking
0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
IndOASIS
INDIAN BANK
MOBILE
BANKING
0.00 GAIN ONLY FOR SELLERS.
NO BARGAINING.
-/+ AMOUNT
WASTED
USING
WASTED ON TRANSFER TO -/+ AMOUNT GPAY
BEG
REWARDS
TOTAL 18.00
Mon 06-Jun-2022 08:27 PM 03.00
Thu 30-Jun-2022 02:27 PM 03.00
Tue 17-May-2022 07:43 AM 03.00
Thu 08-Oct-2020 05:47 PM 9.00
-/+ AMOUNT
WASTED
USING
WASTED ON TRANSFER TO AMOUNT SBI REWARD
POINTS
GPAY Tue 17-May-2022 07:43 AM IST GPAY
REWARDS
AFTER
SPENDING
5471.00 INR
TOTAL
REWARDS
FROM
GPAY:
03.00 INR
THIS IS
BETTER
THAN
01) PAYTM
02) PHONEPE
BUT
WORST
WHEN
COMPARING
ATM
CARD
PAYMENTS.
+03.00 INR ATM
DEBIT CARD
VEGETABLES/
KITCHEN/
ATM
SERVICE
CHARGES
SBI
ATM CARD REWARDS
AFTER
SPEINDING
42047.20
APPROXIMATE
SBI
POINTS
AFTER
SPENDING
5471.00 INR:
27.00
POINT (INR) AMOUNT
VARIES BASED
ON THE ITEMS
YOU BUY

1012.00(159.00 INR) POINTS TO BUY:
Portronics Toad 101 Wired Optical Mouse
ON Sun 22-Oct-2023 IST
01 POINT:
= 00.1571146245 INR
= 00.16 INR

320.00 POINTS(198.00 INR) TO BUY:
Coconut Opener Stainless Steel
APPROXIMATELY
01 point
= 0.6187500000 INR
= 0.62 INR

664.00 POINTS TO BUY:
Stainless Steel Gas Lighter
205.00
GPAY Tue 17-May-2022 07:42 AM IST VEGETABLES/
SOAP/
KITCHEN_ITEMS.
-120.00 INR 00.00 INR Thu 30-Jun-2022 VEGETABLES/
KITCHEN/
ATM
SERVICE
CHARGES
-2923.60 14.00
GPAY Fri 13-May-2022 04:31 PM IST MY
RELATIVE
-3112.00 INR 00.00 INR Thu 30-Jun-2022 VEGETABLES/
KITCHEN/
ATM
SERVICE
CHARGES
-1523.60 07.00
GPAY Sun 08-May-2022 06:53 PM IST MY
DINNER
-75.00 INR 00.00 INR Fri 06-May-2022 MY SNACKS
FOR TWO
DAYS
-500.00 02.00
GPAY Sun 08-May-2022 10:23 AM IST MY
SON
SINGING
CLASS
-1000.00 INR 00.00 INR Sun 08-May-2022 My FOOD
AND SNACKS
FOR A WEEK
-1900.00 09.00
GPAY Sat 07-May-2022 03:24 PM IST GOD ITEMS. -160.00 INR 00.00 INR Sat 14-May-2022 MY MUM
SUGAR TEST
WITHOUT DR BILL
-6000.00 30.00
GPAY Sat 07-May-2022 03:10 PM IST GOD ITEMS. -124.00 INR 00.00 INR Mon 16-May-2022 MY FOOD
AND SNACKS
FOR A WEEK.
-1900.00 09.00
GPAY Sat 07-May-2022 12:14 PM IST MY
HOUSE
WATER PIPE
REPAIR
-2700.00 INR 00.00 INR
GPAY Sat 07-May-2022 10:24 AM IST TO MY
RELATIVE
-1041.00 INR 00.00 INR
GPAY Sat 07-May-2022 07:06 AM IST MY
RELATIVE FIXED
DEPOSIT
INTEREST
+81.00 INR 00.00 INR
GPAY Sat 07-May-2022 03:51 AM IST HANDLE MY
RELATIVE FIXED
DEPOSIT
EXCEPTION
+24713.45 INR 00.00 INR
GPAY Fri 06-May-2022 06:30 PM IST VEGETABLES/
SOAP/
KITCHEN_ITEMS.
-160.00 INR 00.00 INR
GPAY Fri 06-May-2022 06:28 PM IST MY RELATIVE
BREAK FAST
EXTRA CHARGES.
-18.00 INR 00.00 INR
GPAY Fri 06-May-2022 06:13 PM IST MY RELATIVE -01.00 INR 00.00 INR
GPAY Wed 13-Apr-2022 07:08 AM IST VEGETABLES/
SOAP/
KITCHEN_ITEMS
-130.00 INR 00.00 INR
GPAY Tue 12-Apr-2022 09:33 PM IST MY
FAMILY MATES
DINNER
-506.00 INR 00.00 INR
GPAY Tue 12-Apr-2022 08:24 PM IST MY DINNER -30.00 INR 00.00 INR
GPAY Tue 12-Apr-2022 06:54 PM IST VEGETABLES/
SOAP/
KITCHEN_ITEMS
-588.00 INR 00.00 INR
GPAY Mon 11-Apr-2022 05:57 PM IST TEST GPAY
BANGALORE
CURRENT
BILL
BESCOM URBAN
-01.00 INR 00.00 INR ATM
DEBIT CARD
Fri 20-May-2022 VEGETABLES/
SOAP/
KITCHEN_ITEMS
-2000.00 10.00
GPAY Sat 09-Apr-2022 01:41 PM IST MY RELATIVE -01.00 INR 00.00 INR ATM
DEBIT CARD
Sat 21-May-2022 VEGETABLES/
SOAP/
KITCHEN_ITEMS
-2000.00 10.00
GPAY Fri 08-Apr-2022 05:48 PM IST MY LAPTOP
REPAIR
-1500.00 INR 00.00 INR ATM
DEBIT CARD
Fri 27-May-2022 FAMLY MATES
LUNCH
-2500.00 12.00
GPAY Fri 08-Apr-2022 02:04 PM IST MY RELATIVE -02.00 INR 00.00 INR ATM
DEBIT CARD
Tue 31-May-2022 FAMLY MATES
DRESS
-2000.00 10.00
GPAY Fri 08-Apr-2022 01:59 PM IST MY RELATIVE +01.00 INR 00.00 INR ATM
DEBIT CARD
Tue 12-Apr-2022 VEGETABLES/
SOAP/
KITCHEN_ITEMS
-5000.00 25.00
GPAY Thu 07-Apr-2022 02:38 PM IST MY LUNCH -450.00 INR 00.00 INR ATM
DEBIT CARD
Fri 08-Apr-2022 VEGETABLES/
SOAP/
KITCHEN_ITEMS
-5500.00 27.00
GPAY Thu 07-Apr-2022 02:00 PM IST MY RELATIVE -01.00 INR 00.00 INR ATM
DEBIT CARD
Wed 06-Apr-2022 TRAVEL -500.00 02.00
GPAY Thu 07-Apr-2022 09:22 AM IST My DRESS
BUTTON
-20.00 INR 00.00 INR ATM
DEBIT CARD
Sun 03-Apr-2022 HOUSE RENT -6900.00 34.00
GPAY Thu 07-Apr-2022 08:28 AM IST MY RELATIVE -01.00 INR 00.00 INR ATM
DEBIT CARD
Fri 01-Apr-2022 MY FOOD
+ TRAVEL.
-900.00 04.0
HENCE I USED TO WASTE MONEY USING FOLLOWING WAYS:
01) DO NOT BUY THAT ITEM IF THEY(AND MYSELF) NOT HAVING CHANGE AND THEY ARE NOT ACCEPTING ATM CARD.
IF I AM NOT HAVING CHANGE, ASK THEM IF THEY HAVE CHANGE
02) CASH IF AMOUNT LESS THAN 0200.00 INR
03) ATM CARD IF AMOUNT GREATER THAN OR EQUAL TO 0200.00 INR
04) NET BANKING TO PAY CURRENT BILL/...
05) GPAY ONLY WHEN THERE IS NO OTHER WAY.
06) I HAVE STOPPED USING INVALID PAYTM/PHONEPE/YONO/AXIS PAY/CRED/ANY PRIVATE BANKS MOBILE APPLICATIONS.
I NEVER LIKE:
a) DISCOUNT
b) BUY TWO GET ONE FREE
c) 099.00 INR/9999.99/419.99 => I KNEW THAT IT IS 100.00 INR/10000.00 INR/420.00 INR => USELESS THINING FROM 99.99% OF SELLERS
d) ENTRANCE OF A ANY SELLER SHOP HAVING TEA/TOYS/SWEET(RUNNING NOSE) ITEMS AT ENTRANCE.











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