Put each purchase into a category and you can see where you’re overspending.
To spend less, try to replace paying people to do things that you can do for yourself. Cook at home, make coffee, iron your clothes, invite friends over instead of going out.
Then, let’s say you make dinner instead of spending money going out. Now pay yourself for that work! Did you save £10 by cooking for yourself? Put £10 into savings.
Try to notice the growth in your savings, too. I think it can be motivating to watch the number go up each month.
4d ago
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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!
Dec 1, 2024
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currently being a bit more financially responsible and finding that the only way for me to stay on top of things is to know my daily budget and actually write it down and see the numbers with my own eyes, because numbers don't mean shit to me otherwise
May 4, 2025
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assuming you haven't already done this. i just put mine in a spreadsheet. i include figures for "investing" and "saving" then just put an amount i know i can afford every month. just make the budget and stick to it. if you find you can't stick to the budget then maybe examine your spending habits and see if there's anything you can do without buying.
Dec 1, 2024
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