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Actually a budget sets you free Friday night you're looking at your account is fit and healthy and you think I'm going out whenever good time Monday morning the direct them. It's come out and you mess yourself up Yeah, I mean and it repeats every month So for me having an account for you for your bills like have an account that you know what your bills are There are banks that will pay you cash back for paying your bills from there from those accounts So you can actually make money paying your bills So that's that's number one have account so I met where you can monitor So what I do with my bills account every six months I go in I love football and I and I renegade List them at list them all and the bottom three I ever get rid of or I go to call them up and an answer a better deal Right where possible So that's a pretty ruthless approach you're taking that because what what the thing is what I've realized is that a lot of the time You have the subscription. I might actually use it. Yeah, I might you getting value from it Why do I still have this like so I might have a I might have a subscription especially with kids I might have a subscription, but actually they're not using it anymore They used it for that period of time, but they're not using anymore But because it's five pounds and it comes out monthly. I don't feel it I don't see it. It's just coming out, but actually that's 60 pounds a year Whereas if you had to actually hand over that fiber would you do it? You wouldn't you wouldn't yeah, you would have you would have realized a long time ago Yeah, so it's really important to look at your subscriptions look at where your money's going and having an account for that Then I have a second account where I put myself on a budget So I have an account and I say look this is how much I have to spend because one of the biggest problems with money is when you have access to all of your money When you have access to all of your money you are causing yourself problems So what I do is I only give myself access to a portion of my money that I know that that's for me I know my bills are paid and then I have a savings account that I've put my savings in Now I can spend this money guilt free One of the biggest things about budget is we full out budgets for stitching actually a budget sets you free