Always living from pay day to pay day? Here are some subtle ways to trick yourself to be smart with your money and work towards financial goals
“Do I really need it?”
Question every purchase. Follow the 30-day rule where you diarise what you’re wanting to splurge on. By the time the 30 days are up, you may find you no longer need it.
Name your savings goal
Make it an interesting number, such as your year of birth. Split up your money into accounts for different purposes. Set up an automatic payment to put away savings on pay day, and don’t reach for the credit card!
Carry a diary or use a spend-tracking app like Mint or Chime. Every time you splash the cash, jot it down. At the end of the month, categorise all your spending. That takeaway coffee may be costing you way more than you can afford. Brew your own!
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