| This app changed literally my life. YNAB! https://www.youneedabudget.com It takes time to get used to, but after 6 years on and off, I am using it for the last 8 months regularly, and I already saved enough money for the next 4 months in advance. This, and in addition, read https://www.amazon.com/Early-Retirement-Extreme-philosophica... You don't need more, trust me. But, of course, what these two have in common, is simply: 1. Spend much less than you earn
2. Try to just spend 30-40% of your income, but an emergency fund which stores 6 month worth of money, and then invest the saved money. What I recommend, is a little game:
1. Don't eat out for a whole month
2. Don't do any big purchases for a whole month You will see how much many you usually spend, and how your mind is triggering you to buy things. It will be really hard, so instead of thinking about "oh no, I shouldn't buy this", just write a note on a piece of paper everytime you want to buy something. At the end of the month, you will see how "stupid" you were to want a certain things. If a certain things come up on this list over and over, then maybe it could be useful. |