💰 1. Track Where Your Money Goes Use Notes, a Google Sheet, or an app. Know what you're spending on — most people are broke 'cause they ignore the small stuff (like snacks and subscriptions).
2. Cut the Daily “Small Luxuries” You don’t need a €3 juice or energy drink every day. Cut that and you'll be shocked how much you save monthly.
🤑 3. Save Before You Spend Whenever you get cash (allowance, side hustle, gifts), save a portion instantly — 20% minimum. Don’t wait until you “see what’s left.”
📱 4. Don’t Fall for Trends Not every drop, fit, or tech upgrade is worth it. If you’re buying just to impress others, you’re spending dumb not smart.
🔁 5. Resell What You Don’t Use Old clothes, shoes, games, tech — flip it on Ebay, Instagram, or local pages. Dead weight becomes profit.
🎯 6. Set Goals (Short & Long Term) Saving without purpose = boring. Set a goal like a trip, new gear, or even investing. Makes it more exciting.
📦 7. Stop Impulse Buying Wait 24–48 hours before buying stuff you “suddenly” want. 9/10 times you won’t even want it anymore.
💳 8. Avoid Owing People or LoansEven if someone says “bro just pay me later,” don’t. Debt is a trap even in small amounts — it builds bad habits.
🔧 9. Learn DIY Fixes Fix your own bike, clean your sneakers, do simple tech stuff — you’ll save on services & build skills.
🧠 10. Learn About Money Early Watch YouTube finance content, follow chill finance pages (like your own 👀), and level up while others are wasting time.