I’m up in my bank account every week writing every transaction out in a spreadsheet and I’ve never been better with money in my whole life. Also helped me notice asap when a whole mess of fraudulent transactions slipped in while I was occupied moving and otherwise wouldn’t have seen them for a while. It’s absolutely more effective than a Mint budget tracker because you have to confront EVERY purchase and contemplate what actually has value to you.
I've looked at my bankaccount and it's empty after spending without restrictions during my vacation. I don't feel guilty or bad about it like i used to. I feel happy to have the chance to do it. I ear my mom everyday, be stressed about every money related subject. Maybe it's because she has children, she's a lot more worried about everything. I recommend letting go from fear in money topics.
1. I tracked every single thing I spent for a few months to get an idea of what my budget should be and where I can cut back.
2. I set up an auto transfer once a month into a HYSA and another one into an IRA, based on the budget from step 1. They are not huge amounts by any means, and sometimes it feels futile. But it keeps the money out of my checking and hopefully in time I'll be able to start saving more.
3. Anything I really like and want to buy I add to a Pinterest board as my wish list. I tell myself I can come back later and buy it if I really want it. I probably end up buying 1 out of every 50 things I put there. It's also humbling to look back it and see things on the list that I don't like anymore. Good thing I don't own them!
Recently realized mine has a ton of random stuff that I’d never buy available for rent…other examples of stuff they have…ukulele, crutches, projector, dehydrator, sewing machine
chatting With neighbors, bringing a baked good when someone moves in, bringing in the trash bins, lemonade for the plumber, actually introducing yourself & making an effort to remember details