TARGET YOUR DANGER ZONES
The simple act of handing over money (and withdrawing more from the cash machine) serves as an apt reminder when to rein in your spending. But if you want to tackle one particular area where you overspend – say, clothes shopping – set a sensible but realistic cash-only weekly, monthly, or annual budget – and stick to it. ‘If you enjoy a weekly meal out with your husband, counting out notes and coins won’t stop you from going, but it might make you think about sharing a starter or saving that after-dinner coffee for when you’re back home,’ says Jasmine. ‘Making small but regular savings can add up over time.’ TIP Not sure which one of your spending habits is putting you in the red? Grab a notepad and keep a money diary for a week or two, writing down every single thing you buy, and you’ll soon spot it.