Focus on reducing your spending

With your personal or business finances, the most direct way to improve your savings is to reduce your spending.

However, I can appreciate that focusing on your costs isn’t glamorous and it’s something that many of us ignore or avoid.

Try starting small by just reviewing your spending over a recent time period (say a month). For each expenditure, question whether it can be cut or negotiated down. You’ll be sure to discover excess with your spending, and these quick wins will boost your motivation to be more disciplined.

Then set a reminder to do the process again.

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