The Daily Telegraph - - Living -

If five zero-spend days a week sounds too dra­co­nian, Kate Har­ri­son, au­thor of 5:2 Your Life,

ad­vo­cates giv­ing your­self a bud­get of just 25 per cent of your nor­mal daily spend for two “fast” days a week, as you would with calo­ries.

AA tells mem­bers they only need to fo­cus on not drink­ing to­day. Ap­ply the same rule to spend­ing: if you want some­thing, tell your­self you can go back and buy it to­mor­row. The urge will of­ten pass, pain­lessly sift­ing your needs from your wants.

Make mi­crosav­ings: apps such as Mon­ey­box help you in­vest money you won’t miss by con­nect­ing to your debit card, and round­ing up small ev­ery­day pur­chases, putting the ex­cess into a stocks and shares Isa. So if a cof­fee costs £1.80, for ex­am­ple, then 20 pence would be swept into the in­vest­ment ac­count, much like an on­line change jar.

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