The best way I’ve found to cut back is to figure out what’s important to me. I sit down, write down all the things that make me the happiest or passionate then pick the three most important
Because these priorities make me the happiest in life, it’s not such a sacrifice to spend less on other things that aren’t getting me to where I want to go. For example, while getting an Uber Eats delivery is nice, I’d rather put that £30 towards seeing my family because they bring me more joy than a Nando’s.
If you’re just putting money aside for the sake of it there’s not much motivation to not touch it. The pay off needs to be better than the joy you get from spending it now. I also make it annoying to access my savings. Like having savings with a different bank and not downloading the app. I despise entering my password so it acts as a deterrent