So you want to take control of your money but you don’t know where to start? We’ve got you 🤝 If there’s one thing we’re good at, it’s building good money habits that truly ✨transform✨ your life and make managing your money easy.

To keep it simple, we’ve broken down what you need to do daily, weekly, monthly and yearly to get a grip on your money. Now you can stress less and take each day (literally) as it comes.

Daily

Track your spending 

Starting off strong, tracking your spending daily is a sure fire way to help you understand AND manage your spending habits. Tend to get easily distracted in the supermarket? Up late ordering clothes? Tracking your spending will help bring all those sneaky spending habits to light. There’s no escape here 🤫

Money minutes

Whether you’re a seasoned budgeter or a complete newbie. We think EVERYONE should be taking daily money minutes…it’s the key to staying on top of your money! All it takes is one minute everyday where you sit down with your budget, your bank account and your drink of choice, and you simply check everything is as it should be. Unplanned payments? Paying for things twice? Miscalculated your budget? The money minute helps you stay on track 🤝

Weekly

Meal planning

We’ve said it before and we’ll say it again, groceries are the easiest place to squeeze your budget and put more into your excess. Staying on top of your food spending will keep your costs to a minimum and help you stay organised. We’re not saying you need to ditch your sunday plans and spend hours prepping your meals, just plan out your menu for the week to avoid takeaway splurges.

Monthly

A budget you can actually stick to

Us? Talking about budgeting? Never! You guessed it, the ultimate form of self care is putting the effort in once a month to create a realistic budget you can actually stick to. Now’s the time to sit down, take a look at your plans for the month and make a budget that works for you.

Track your net worth

Net worth isn’t just for the mega wealthy. It’s actually the best way to see the bigger picture when it comes to your finances. With savings here, debts there, emergency funds stashed away, it’s hard to actually know your total figure. It may be scary to do at first (and if it’s negative, that’s okay too!) but it’s the perfect way to track your money progress. Do your future self a favour and start tracking your net worth this month! 📈

Yearly

Review insurance policies 

We’ve all got them, so why not track them and be prepared for the renewals. This means you’ll be forewarned about ending policies, giving you time to search around for the best price!

Psst. Did you know we have a handy life admin tool? 👀 It’s one of our secret (but also favourite) features that saves us so much money.

Set your money goals

What better way to start a year by setting some goals. Whether they’re big, small, have a monetary figure or not, you can’t reach your goals if you can’t define them. Head to the goals and debts tracker to set your targets for the year ahead.

Money MOT

So you have a full year of spending to look back on, and you’ve got your money goals in front of you. Once a year, commit to a Money MOT (it’s in the learn section of the app!). It’s the best way to rationalise your spending, face up to where you’re spending too much and keep expenses to a minimum. This means your excess will increase, meaning you’ll hit those big goals quicker!

Head to the Financielle app to kick start these positive money habits now.