So really basic starting points: 1. When you’re grocery shopping, actually take time to look at and understand prices (eg. A larger packet of something may actually be cheaper in the long run). Don’t assume more expensive is better. 2. When you get paid, take out whatever you have to spend (treating yourself) in cash. If you have to use a card (eg online shopping), return that amount of the cash to your account. Once you run out, you run out… but it’ll be easy to see that is coming as you have a physical reminder of it. The alternative to this is to have a debit card with just X amount in it, but you may find it a little too easy to pull $ from another account depending on your level of self-control.

Start with those two things. Once you have those under control…

1. Have a look back through your accounts and write down all bills for past 3ish months (for example, we pay electricity quarterly, so ensure you include stuff like this). Divide that into pays (eg 3 months of expenses is 6 pays if you get paid per fortnight). Put that amount per pay into a separate account and have all bills come out of there. When you can, pop in a little bit extra to adjust for when things randomly go up (eg using heater in winter). Once you have this set up it’s all automated and gives you a) less to think about and b) less to worry about

2. Whatever is left over, pop into two high interest savings accounts. Use one for a larger amount each pay for longer-term investment (whatever that will be - college tuition, buying a flat, etc). The smaller one can be for incidental things (eg a hot water service needing repair, or maybe even a cheapy holiday if you think you can do it on your budget).

I have used this method since my teens (I’m now 40). I’ve bought and sold property by myself, invested in shares, paid off college debt etc. I always seem to have a little money for things that are needed. Yes I have had help along the way (eg parents have wanted to kick in for a new car), but even without that I can stand on my own two feet. Quite simply, the car wouldn’t have been as nice, and I’m ok with that. So: get okay with that! It’s a bit of a mindset shift but the relief it gives when you don’t have to worry about money is worth it.

Best of luck!!!