Finance Organisation Tips

Always keep a journal with your receipts in then tick them off once the credit card bill arrives. Use the journal as a running bank account and balance that once the statement comes in. Old book keeping/accounts will help you keep track of money in and out. It’s not for everyone but I’ve done this for years.

I use Yolt. It’s a legit app where you connect it to your bank and it automatically categories everything you’re spending on: bills, eating out, groceries, subscriptions etc. (You can manually do stuff too).

https://www.latestdeals.co.uk/deals/set-bugets-save-money-yolt

Then I set budgets in the app e.g. £40 a week on groceries, and it gives me alerts when I reach those limits.

Listening to Dave Ramsey in the background has certainly made me rethink some of my financial decisions.

Plus, keeping all documented physically and/or digitally helps a lot too, and an Excel spreadsheet.

Track all your luxury stuff meals out holidays etc cutting back on essentials mentally drains you and doesn’t make that much financially viable for the sacrifice

Have a look at 3 months worth of bank statements. Look at your incoming amount and outgoing amount. Look at where you are wasting money, cancel an unnecessary subscriptions, stop buying things that aren't essentials, like takeaways, magazines, going to coffee shops etc. Figure out how much doing that will save you and then put that money into a savings account for emergencies.