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How to save up money/cut down on expenses in a „healthy“ way? (lemmy.ml)

submitted 3 weeks ago* (last edited 3 weeks ago) by mistahbenny@lemmy.ml to c/asklemmy@lemmy.ml

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I would like to mention that I do not intend to open new bank accounts, so yeah...

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[–] Broken@lemmy.ml 2 points 3 weeks ago

This is the true answer, especially for such a broad question.

You dont need to be fancy about it either. When I started I downloaded a years worth of credit card transactions and put them in a spreadsheet. I took the time to go line by line and assign a category for it.

Then I made a chart and could visually see where my money was going. On top of that I then calculated each category as percentage of my annual salary.

It's very eye opening. Even things that aren't an issue at least I now know that so don't need to feel worried/guilty about it.