Track your spending for the next 30 days
This exercise is as painful and time-consuming as it sounds. I’m listing it first because it’s the most important step. If you execute just one item on the list, do this.
The practice of tracking will make you more focused and frugal when it comes to spending money. You can compare it to a person tracking all of their calories or recording the weight they lift at the gym.
Assess all recurring subscriptions
Many people use at least one subscription service, such as a gym membership, wine club, meal delivery service, credit monitoring service or video streaming app. There’s nothing wrong as long as you know how many you have and are receiving the value you expect. Ask yourself whether you’d join now if you weren’t already a member.
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