By noting down all your expenses on pen and paper, or on the PC excel sheet, you can start to review and analyse your spendings on a weekly or monthly basis. This will make you find innovative ways to save money, catching hold of ‘runaway spending’ that went unnoticed before.

Example:...

It helps to know how often you’re succeeding (or not). Use whatever works for you: pen and paper of habit tracking apps.

A simple way to keep track of your progress is to mark each day you complete your habit on a calendar.

To-do lists help us to keep track and manage our focus. But equally important is a no-to-do list. It is a way to identify useless tasks, inefficient processes, bad habits, and time-consuming products, then making a point to avoid them.

Generally, your not-...