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Here are three tweaks you can make to your budgeting process that are actually going to save you money. Number one is utilize cash stuffing. This can change your life. This helps you stay focused and curb your overspending and it builds your budgeting muscles so that you can get used to managing your money. All you need to do is get some envelopes and label them and budget out your money, go get it out of the bank and stuff it into the different envelopes. When that envelope is empty, you are done. Now what should you cash stuff? Not everything. Okay, these are my budgeting worksheets. If you want to, you can go grab a method link at the top of my page, but you're not going to cash stuff staples, your fixed expenses, so your bills. You don't want to cash stuff, those you want to leave them in the bank. Don't cash stuff your debts because you're going to be paying those online as well. What we do want to cash stuff is our variable expenses, so our spending, things like grocery gas, eating out coffee, fun money, etc. When you get used to actually managing your money physically, it's going to make it way easier to do it digitally. Number two, take the time to call your different bills and ask for discounts because a lot of times they will give them to you. Bills like your internet, your cable, your phone, your insurances, like car insurance, etc. And sometimes even your electric, you can get discounts on. Call the company, be very nice, tell them you love being a customer, you've been a customer for however many years, and you love their service, but you were offered a better price for the same service by a different company and ask them if they can either match the price or give you some type of discount or promotion on your account so that you can stay with them. And nine times out of ten, they're going to give it to you. And number three, track your spending. I know this isn't the most like sexy thing to do, but you don't have to do it forever, but I promise you it's going to be extremely eye-opening if you track every single purchase you make for the next month straight. This is not only going to give you places where you can save money and stop spending as much in certain areas, but it's also going to show you what's important to you so that you can make your budget more effective. Because if you include things that you like and that are important to you in your budget, you're going to be way, way more likely to actually stick to the budget, which is the whole point. If you need a place to start, do yourself a favor and go hit the link at the top of my page. I have a ton of resources in there, some paid, some free, but there's a place for everybody to start no matter what your goal is. There's no reason why you can't make a plan and make big progress towards that plan by the end of this year. I promise you can do this. You got this friend.