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debt – Happicademy
  • All posts,  Well-being

    How to spend less money

    There are many ways to get better at money management, though you wouldn’t know it from reading personal development blogs. They pretty much all recommend you plan out a budget and stick to it strictly, month in, month out. You set up a spreadsheet or pay for some shockingly expensive bespoke software and audit your expenditure at the end of every month. It works just fine, but it’s like counting calories. It’s tedious, and there’s a real risk you’ll one day break the diet in an alarming binge. Another approach is to change your mindset when it comes to money. Do this and frugal habits may become automatic. I think…