There is a hungry ‘ghost’ ‘haunting’ your office. It neither rattles chains, bangs on doors, roams dark corridors, nor lives in deserted, dilapidated buildings. It silently lurks in WhatsApp groups, emails or phone calls. Its ambush is never a one-time affair. It strikes again and again, often when least expected.

This invisible ghost rarely asks for a feast and never compels; a small bite usually suffices. It does not care whether you are carrying a mountain of debt, whether it’s month-end, budget is already stretched, or if your wallet can withstand another hit.