John E
John E @JohnE
2 months ago

Setting specific financial goals—like saving for a trip or paying off a credit card—made saving way more motivating for me. When I know exactly what I’m working toward, it’s easier to stay focused. Pick a goal, write it down, and keep it visible as a reminder!

John E
John E @JohnE
2 months ago

I used to struggle with budgeting until I started using the 50/30/20 rule—50% for needs, 30% for wants, 20% for savings. It was flexible but gave me structure. If you’re not sure where to start with budgeting, give this a shot. It’s been a game-changer for me!

John E
John E @JohnE
2 months ago

Whenever I feel like my spending’s getting out of hand, I do a no-spend challenge for a week. It’s just essentials and no extras. Not only do I save, but it helps me rethink what I really need versus what’s just a habit. It’s harder than it sounds but feels great afterward—try it!

John E
John E @JohnE
2 months ago

I tried the cash envelope system, where you set a cash budget for each category and stop spending when it’s gone. Having a visual limit really helped me stay on track! Even if you don’t use cash, try assigning a set amount for each spending category and watch how it changes your spending.

John E
John E @JohnE
2 months ago

I once realized I was paying for six different streaming services! I only used a few, but I’d signed up in the moment and forgot about them. Now, every few months, I review all my subscriptions and cut out the ones I barely use. I end up saving around $30 a month—worth it!