Flexible Expenses

Once you've gone through the first eight steps, monitor your progress by journaling for one month. You can do this by noting everything you spend in a notebook, budgeting apps on your phone or with

Take a hard look at how much you are spending day to day. Every time you spend money, write it down as it happens in a little notebook or log it into an app.

Alternatively, use the envelope method. Make an envelope for each of your non-fixed expenses, like groceries, clo...

Reality is our equation is always 'Income - Expenses = Savings' But we should priorities our savings and then we can spend freely on our expenses without any regret.

This mindset will eventually help you to have control over your spending and you will spend your money on things which you r...