Understanding Your Spending Habits

Before you can start building wealth, you need to understand where your money is going. Track your expenses for a month or two – every coffee, every subscription, every impulse buy. Use a budgeting app, a spreadsheet, or even a notebook. The goal isn’t to shame yourself, but to gain clarity. Once you see your spending patterns laid out, you can identify areas where you can cut back and redirect those funds toward wealth-building activities.

Creating a Realistic Budget

Based on your spending analysis, create a budget that works for you. It doesn’t have to be