Most people try to save "what's left over" at the end of the month. Spoiler: nothing is ever left over. To take control without going crazy, use the 50/30/20 Rule (but for real):
✅ 50% Needs: Rent, food, services. What keeps you alive. If this goes over 50%, your lifestyle is more expensive than you can afford. Period.
✅ 30% Wants: That coffee, the Friday outing, Netflix. It's the first thing you cut if things get tough.
✅ 20% Future: Savings or investment. This is untouchable, it's what gets you out of the rat race.
My advice as an accountant: If you are starting out, don't seek perfection. Start with a 70/20/10 if necessary, but start. Order gives more freedom than money.
Which group do you spend the most on without realizing it? I read them. 👇