Great tips, although I think automating your savings and transfer only what is left to spend (after bills and fixed expenditure for rent/mortgage yada yada) is the best way to go. Last year had a long tough look at all coming in and going out monthly and separated everything into dedicated accounts, setting up auto transfers for saving and investing and for both of us a fixed amount we can freely spend however we see fit. Works like a charm and we've been able to save more than ever! Only thing I'd recommend is to be flexible and adjust the amounts if necessary..

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