Budget, budget, budget…and stick to it. Work out all living expenses, groceries, mortgage/rent bills and then divide by 52 to get a weekly figure. Keep track on a spreadsheet or in a notebook to make sure you are not overspending in areas. Each week roll over unused budgeted funds.
Meal plan and prep, follow a grocery list. Stop impulse buying. Buy second hand where possible.
Borrow books from the library instead of buying them.
Have your coffee at home.
Know exactly where your money is going.

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Published 24th September 2019

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