1) A system that works (without obsessing)
Most people don’t struggle because they “don’t earn enough”. They struggle because money runs on autopilot… but without rules. The solution isn’t more willpower—it’s a simple system.
- Spending (rent, bills, groceries, transport)
- Goals (emergency fund, investing, travel, down payment)
- Life (guilt‑free fun)
If your bank offers “pots” or sub‑accounts, perfect. If not, two accounts are enough: one for spending and one for goals.
The key is that your goals money leaves first (automatically). What’s left, you spend with peace of mind.
2) 5 habits with impact (and zero pretending)
- Automate the day after payday: save/invest first, then live. If you wait for month‑end, it usually won’t be there.
- Fun with a limit (no guilt): define a monthly amount for leisure. Spend it freely. Outside of that, don’t.
- The 24–48h rule: for non‑essential purchases. It kills impulse spending with minimal pain.
- Review fees twice a year: account, card, insurance, and the little “extras” that sneak in.
- When income rises, raise your goal: avoid lifestyle inflation (it’s silent and very sneaky).
3) Common mistakes (and how to avoid them)
If everything is together, temptation wins. Separate accounts or create a “no‑card” pot.
Insurance, taxes, repairs… they arrive and “break” your month. Fix: set aside a small monthly amount.
It’s not about cutting joy—it’s about spending aligned with what you truly care about.
4) Quick template: “10 minutes per week”
On Sunday (or any day you prefer), no drama:
- How much did I spend this week on “life” and on what?
- Any weird/duplicate charge, or a subscription I don’t use?
- Is my “goals pocket” growing this month?
- What big bill is coming in 2–3 weeks (and is it covered)?
- One concrete action: cancel something, renegotiate, automate, move money to the pot.
If you want, I can help you set this up in one sheet (or inside your bank) so it’s easy to maintain. Message me here.
