👉👉Create a Budget (or Improve Your Existing Budget)
99% of the trouble that people have with money isn’t that there isn’t enough of it but that there is no plan for it once you actually get it. Your budget (either weekly or monthly) should consider your income and your expenditure. Guide your spendings for the week or month with the budget made. This might be hard at first, but having that extra cash in hand, definitely worth the effort.
Aside from having a budget, it will be good to develop the habit of not going over your budget. Most of the time people have a budget but are not disciplined enough to stick to that budget. I am part of those people.
Having a budget is one thing, having the discipline to not go above the budget except when totally necessary is another thing.
👉👉Use cash only
Shopping using card look more convenient and most time encourages you to buy unnecessary things even out of plans. I really observed I spend more money(even more than 20% of my salary) on airtime only any month I load airtime directly from my bank account through USSD. This is so convenient that immediately I exhausted my airtime when calling, I just dial the USSD code to get another. This doesn't help you financially. You get to stop. Knowing your Credit and Debit Card Number offhand isn't helpful for you. It makes you shop unnecessarily online. Using cash-only envelope budgeting system can help you minimize your spendings and sticks to budget.
This is not viable. I don't like walking around with cash. If I had my way I wont hold any single cash on me at all time. I prefer paying for everything with cash. Its easier and safer that way. Yea, sometimes i spend above above my budget, but that's where the discipline comes in.