The Reverse Budget

When you look at our past spending patterns and trends, you can select one or two categories to focus and use one of these two approaches:

1. Tackle the high-dollar impact areas like housing, fuel, food, or healthcare, and see if those can be cut down to some extent.
2. Focus first on your 'disposable money' expenses like eating out, and entertainment and curbing those, gradually.

Each week, make one improvement in your chosen category, fixing it completely over a period.

Set yourself a broad goal of reducing your overall spending by a certain percentage in a Three-Month Check-In. In the next quarter, shave off another 10% or 20% from your expenses, making sure your base goal is realistic but can stretch if needed. Keep repeating this activity for the next few months and build momentum.