There is a limit to how much you can save by spending less. Look at the income side too: ask whether your pay is in line with your role, build skills that are in demand, or consider a small side income. Put extra earnings straight towards a goal so they do not disappear into spending.

General tips from the Cashflow Team, not financial, tax or legal advice. Your situation is different, so talk to a qualified professional before big decisions.

Track it in Cashflow

Cashflow: Budget Manager is a free app to scan receipts, set budgets and savings goals, and see where your money goes.

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