If you have been struggling to stick to financial changes; this article has 3 steps you need to follow if you want to master your finances.
If you aren’t the best at handling money, it might be easier than you think to get back on track with your budgeting. There are plenty of ways you can begin to implement a positive change to your spending. Here are some of the ways you can make healthy financial changes in a way you can stick with.
Trying to tackle your spending in one go is not going to work. You might be able to sustain it for a week or two but then you will end up back where you started. Instead, you should focus on one small area that you want to change instead of trying to tackle everything all at once.
This change should be small and it should ideally be something which you do every day. Examples could include switching to bingo on mobile instead of going down to your local hall, or taking a coffee to work with you instead of buying a pricey cappuccino every morning. Changes like these will make the bigger problems all the easier to face.
Avoid the Temptations
Find out what your spending triggers are and make sure that you try to avoid them when you can. This will help to cut down on the temptations of superfluous spending and can seriously help you to actively change your habits.
For example, online shops often send out newsletters to their customers with tempting deals. If you frequently splurge on online sales, unsubscribing from these newsletters removes the temptation of sales and deals. Likewise, if you know that you are likely to spend a lot of money in a supermarket when you are hungry, try to do your weekly shop on a full stomach so you only get what you need.
Support can come from the unlikeliest of places. Confide in your friends and family and see if they are willing to help you out on your journey. They may have some interesting tips and techniques which you can adopt which might help you to save and change more positively. If they try to accuse you of “becoming boring” or anything else judgemental, don’t be afraid to cut them out. A true friend should want the best for you instead.
Head online if you have to. You might find an amazing forum or Facebook group for like-minded people who can help to build you up where people in your home life don’t. You are going to need support to get you through your changes, so the sooner you can find the right support network the better.
It might seem like a mountain to climb but positive financial change is well within your grasp. Take the time to work out your goals and why you need to make these changes and get ready to take this new journey one step at a time. There are going to be setbacks and struggles, but there is no reason why you cannot come out the other side with a wholly new and positive attitude to your finances.