*Lose the credit card.*
Leave your credit card at home if you’re planning on going out. This will help you avoid putting yourself in debt if you see something you want to splurge on.
*Learn to say no.*
There are going to be things you want to do, such as visiting cinemas, buying a fancy pen or buying a new car, but there are times when it’s best to just say no.
*Keep it authentic.*
Be real with yourself. If you break your budget, write it down and readjust for that week or the month. Things happen, but don’t ignore them.
*Set up reminder.*
Have your most important bills set to auto-draft from your bank account, so you can ensure they get paid and do not get ignored for something more exciting.
Planning meals will help you stay on budget by having set meals. This helps you avoid eating out and making last-minute expenditures on food if you aren’t prepared.
*Track your spending.*
Write down everything you spend money on, this method helps you see on paper just how much you are spending.
*Avoid unnecessary expenditures.*
Try not to splurge on items you don’t need, like a daily chewing gum. Even saving that #5 a day adds up #1,825 in savings per year.