You can change habits! 🧵
We often talk about the need to build up an emergency fund that is 3-6 months worth of your monthly expenses. However, the thing that we neglect to discuss is that this can literally be the hardest part of your financial journey!
>>2
We often talk about the need to build up an emergency fund that is 3-6 months worth of your monthly expenses. However, the thing that we neglect to discuss is that this can literally be the hardest part of your financial journey!
>>2
If your natural habits do not lend themselves to saving, it is hard. Especially if you have debt, don’t have a high salary, are living in an apartment that is outside of your budget or can't resist the urge to go out balling with friends despite a weak resource base.
>>3
>>3
So what do you do?
First step: You absolutely have to create a budget.
This does not mean you need to religiously track every shilling forever, but you have to understand where your money is going so you can stop the cash flow in places that are not serving you.
>>4
First step: You absolutely have to create a budget.
This does not mean you need to religiously track every shilling forever, but you have to understand where your money is going so you can stop the cash flow in places that are not serving you.
>>4
✅ Meal planning to save on groceries (you don’t have to eat chicken every night - shop intentionally)
✅ Minimize the uber eats & pick up. Those fees rob you blind.
✅ Sell stuff you don't need.
✅ Cancel unused subscriptions.
Lifestyle changes are hard - you can do it!
|<<
✅ Minimize the uber eats & pick up. Those fees rob you blind.
✅ Sell stuff you don't need.
✅ Cancel unused subscriptions.
Lifestyle changes are hard - you can do it!
|<<
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