This study highlights the impact of digital payments on spending patterns and financial behavior. A structured questionnaire was used to collect data from 200 participants. The results indicate that income, age, family status, and occupation played a significant role in financial behavior and priorities. The data also revealed that many respondents faced various financial challenges, such as insufficient money, debt payments, education expenses, healthcare costs, and meeting expenses. Digital payments and financial planning have been identified as potential solutions for managing these challenges and achieving financial goals. Financial awareness and education are needed, particularly for younger individuals, to improve their financial decision-making skills, investments, and stability.