💰 Track Every Expense
Keeping track of your daily spending is the cornerstone of financial awareness. Read more →
- Use a mobile app like Money Manager, Spendee, or YNAB.
- Log even small purchases to avoid budget leaks.
- Review your logs weekly to spot habits and trends.
🌎 Follow the 50/30/20 Rule
This rule is a simple way to budget and prioritize financial health. Read more →
- 50% of income: necessities (rent, groceries, bills).
- 30% of income: wants (entertainment, dining out).
- 20% of income: savings or debt repayment.
✉️ Automate Your Savings
Automation builds consistency and removes the need for willpower. Read more →
- Set recurring transfers on payday to savings accounts.
- Consider using a high-yield savings account.
- Out of sight = out of temptation to spend.
👁️ Review Subscriptions Regularly
Many people pay for services they no longer use — don’t be one of them. Read more →
- Audit your bank statement every 2-3 months.
- Cancel unused trials and duplicate services.
- Use a subscription tracker app if needed.
♻️ Meal Plan to Cut Food Waste
Food is one of the biggest and most flexible expenses in your budget. Read more →
- Plan meals for the week before shopping.
- Cook in batches and freeze portions.
- Take inventory before buying more groceries.
✅ Build an Emergency Fund
This fund is your financial safety net in case of job loss or sudden expenses. Read more →
- Start with a goal of 1 month of essential expenses.
- Gradually work toward 3–6 months of expenses.
- Keep it in a separate, easily accessible account.