Field guides

How to Stop Wasting Money

Track one month of spending, cut three recurring leaks, automate savings.

Export bank and card CSV for 30 days. Tag: rent, food, transport, subscriptions, impulse, debt paydown.

Circle top three leaks—unused gym, duplicate streaming, delivery fees. Cancel tomorrow.

Automate transfer to savings on payday, even $20. Invisible first.

Wait 48 hours on non-essential purchases over your threshold ($50 or local equivalent).

Cook anchor meals Sundays; reduces delivery shame spiral.

Celebrate one month improved margin; reinvest, do not blow on reward purchase.

Consumerism and debt-trap articles explain psychology.