1. Track Your Spending


So the first thing we need to do in order to be efficient in our money-saving goal is to know how much you spend on a monthly and daily basis in order to manage your budget easily. Also, you need to establish how much you earn, which you already know but if you have a few sources of income, then put everything on the paper.

Once you know how much you earn monthly, start writing down the expenses you have. This can include:

  • House rent
  • Bills and Texas
  • Gas money
  • Car insurance
  • Health insurance
  • Credit cards and loans
  • Student loans
  • Groceries and household supplies
  • Other things.

In order to easily track where your money is going, it is a good idea to have a budgeting app. Opt for the one that suits your lifestyle and make sure that it is a free one! 


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