At the beginning of the day, my to-do list is filled with so much optimism. I scribble onto the page, filling any white space I can see. But as the day starts to get away from me, my enthusiasm dwindles and I begin to scrap a few things off, promising myself I’ll get to them tomorrow.
And the things that get put onto tomorrow’s list are almost always life admin. Those finicky little tasks that you know you have to do but somehow never manage to find the time for. I had “merge super funds” on my to-do list for far longer than I’d like to admit. The good news, however, is it doesn’t have to be that way.
Here are six tips and tricks for getting your finances under control:
1. Make a log of all of your spending and set a budget.
This is the most painful step so let’s get it out of the way early. Writing down anything and everything you spend your money on can be an eye opener. It’s incredibly easy for money to find its way out of your wallet and being handed over to a cashier without you even realising it.