Don’t create a budget. Instead, spend consciously.
Most people begin their personal financial management with creating a budget. But that’s terrible advice for most people, because very few can commit themselves to the tedious act of expense tracking.
So instead of budgeting, focus on spending more consciously. Create a plan of what you are going to spend on, like mortgages, groceries, insurance, investments or other expenses. Crucially, allocate a fixed amount for savings and emergency funds on a regular basis.
The money you have left will be your guilt-free spending, and you get to spend on things that you like without feeling bad. Many have found this to be a more practical plan, because it requires less ongoing effort.
Take out the trash
Not everyone deserves to be in your life. You can’t please everyone and not everyone pleases you. So you have to practice cleaning out the clutter in life, business, and work.
Don’t be afraid of being picky with your social circle. After all, we are shaped by the company we keep. Be confident about what your preferences are, otherwise trying to be everything to everyone will result in you losing yourself!