“I didn’t even know I was still paying for that.”

That’s what a user told us after she saw her full money map on FOLO.

She had forgotten she was still paying for a ULIP she no longer needed. That’s ₹18,000 a year — gone. Not because of spending… but because of a lot of clutter.

Financial disorganisation isn’t harmless. It’s expensive.

We often think the cost of clutter is only mental. But in reality, it quietly eats your money too.

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Let’s talk about the clutter tax:

• 🧾 Duplicate insurances: Paying for similar policies across various providers
• 💳 Unused subscriptions: Old EMIs, annual charges, or fees hiding in auto-debits
• 💤 Dormant investments: Money sitting in low-growth assets while better options are completely ignored
• ⏳ Time tax (the biggest of them all): Hours wasted hunting for passwords, statements, documents

When your financial world is scattered, you bleed money in silence.

Most Indians don’t have a cash flow problem — we have a clarity problem.

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Why we don’t catch it

The Indian mindset values frugality. We’re proud of being “careful with money.”

But clutter isn’t about carelessness. It’s about visibility.

We trust that our SIPs are running, our insurance is intact, our accounts are safe. And yet… we never check in.

We don’t audit our financial lives because we were not taught how.

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What FOLO makes visible, you can act on

FOLO puts everything in one place — so you finally see what you are missing

• You’ll know which insurances overlap
• You’ll see which loans are costing you more than they should
• You’ll spot the idle cash that could be working harder than they should

And once you see it, you can clean it.

Because money clutter is a silent killer — and clarity is the cure.