THE NEW RULES OF CLEAN-SPENDING
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.