Where to begin?

Start with ensuring that your bank is actually at your fingertips. Meaning that it has a good mobile app, that works and is real time. There are many banks out there whose mobile app sucks, I’m not going to list them out here as I’m not endorsing any bank in particular.

Ideally, you need to know the major expenses in your day-to-day life. Is it 30% rent, 20% social, 20% groceries…what is it? You don’t need to know where every single thing goes, but you do need to know the general buckets they fall under. You need to figure out, what are the recurring expenses that you have and make room for them.

The idea is to be mindful about your spending and respecting the money that you earn. At the same time, think about how much you want to save every month. If thats too difficult, start with how much is left over from all the recurring expenses. Do you have 5% of your salary left or do you have 50% of your salary left? What do you usually do with it? Are you in debt by the end of the month?

If you’re left with nothing at the end of the month, don’t panic!

Make some room, start with an amount that is small but achievable. An amount that you will not miss. Everyone has different dependencies, so be kind to yourself even if there is nothing left at the end of the month. You are on the right path, you just need to start thinking about Future You! He/She needs you.