Measure your expenses

Take a hard look at how much you are spending day to day. Every time you spend money, write it down as it happens in a little notebook or log it into an app.

Alternatively, use the envelope method. Make an envelope for each of your non-fixed expenses, like groceries, clothes, entertainment and budget a certain amount of money for each envelope. When an envelope is empty, you have no more money to spend until the following month.

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