Financial clarity starts with knowing the difference between needs and wants. This helps you make better Start by understanding where your money goes each month. Use a budgeting app or review your bank statements to identify areas where you may be overspending.

Automate Your Savings

Set up automatic transfers from your checking account to a savings account each payday. This helps you save without thinking about it.

Set Clear, Realistic Goals

Define what you’re saving for — an emergency fund, vacation, or down payment. When you have a goal, it’s easier to stay motivated.

Use Cashback and Discounts

Take advantage of cashback apps, coupons, and discount codes. Small savings from everyday purchases can add up over time.

Cook More Meals at Home

Eating out often drains your budget. Plan your meals, cook at home, and prep in batches to save both money and time.

Apply the 24-Hour Rule

Wait at least 24 hours before buying non-essential items. This helps curb impulse buying and ensures you’re only spending on what you really want or need.

Snowball Method:

• Pay off the smallest debt first
• Gain momentum as you clear debts
• Great for motivation

Avalanche Method:

• Pay off the highest interest debt first
• Saves more money long-term
• Best for those who are disciplined and focused

Steps to get started:

1. List all debts (amount, interest rate, minimum payment)
2. Pick your method
3. Make minimum payments on all but one
4. Put extra money toward your target debt
5. Repeat as each debt disappears

There’s no one-size-fits-all — choose the strategy that keeps you motivated and consistent.