One of the most effective ways to improve your finances is to get into a routine of spending a small portion of your budget each month, said Australia’s Financial Conduct Authority.
“The more money you have to spend, the less likely you are to need to borrow money to cover your spending, and the more likely you’ll be able to save,” Mr O’Brien said.
“We know that spending money is a good thing and spending money can make you more financially independent.”
It is not always possible to do that on holiday, so you need to find ways to get the most out of your money each month.
Budgeting a small budget One of my favourite ways to save money is to budget a small amount each month to help cover your monthly spending.
I’ll give you a little inspiration on how to do it on this website.
Budget your monthly budget for the year and save money from your first month to the last.
You can then see how much money you’re spending each month and decide how to split it up, Mr O