Try a cash-only budget!
Switch to paying cash for your daily expenses – it is a fairly simple process to follow once you get into the habit!
Withdraw your cash for the week and then leave your card at home!
It’s so easy to not think about the money you are spending – when paying is a quick swipe or tap of your card (or phone). But this can often allow you to spend much more than you had planned.
Having a cash only budget keeps you aware of the money you spend – as you can physically see the money leave your wallet and it keeps you on track as you cant spend money you don’t have.
Why not try it for a few weeks and see if it makes a difference to your spending habits – or to your savings balance!