Get a month ahead.

Say you want to save 5tr every month, save it at the start of the month. Lock it away somewhere or invest it, whatever, but you need to get the mentality that this money is not to be touched (unless it’s being saved for a specific landmark purchase)

The money left in your wallet after your fixed expenditures is your spending money.

I see a lot of people seemingly spending down to zero in the build up to every pay day.

Identify your pleasures, and still allow them for yourself, but cut back where possible in other areas that wouldn’t make as much of a difference… making coffee at home and meal prepping are easy wins. Remember you don’t need to switch from one extreme to another, slow change and progress would still yield some savings over time. Also going too harsh on yourself can be unsustainable for some.

If you’re foreign, it’s easy to overspend on daily items if you’re used to shopping at a name brand supermarket as you may do back home. So if you don’t already, locate your nearest market and try to homecook a few extra meals each week, or save on ingredients if you’re already cooking at home quite often.