I’m sure this has been discussed numerous times. I feel I have seen every money saving trick out there. I feel my problem is that I work in retail, so I am surrounded by shops everyday and near enough, I spend money everyday, even though I know I shouldn’t. Adding up my daily coffees on a yearly basis does not shock me. Selling stuff and completing online surveys is all very well, but it soon gets spent. Also, I hate cash and prefer plastic, which I know is probably bad. Moreover I don’t really want to harm Monzo by using ATM.
I’ve started using LOQBOX and putting away a small monthly payment that I hardly notice, while building my credit score at the same time. It seems to be working because I don’t really want to withdraw the money. However I cannot add a lump sum to it and I want to save faster and budget harder.
How do you save and forget about it? How do you have the discipline not to touch that money? How do you set a budget and make sure you don’t go over that budget?
Looking forwards to hearing your thoughts! Also, if you want to consider joining LOQBOX, I’d appreciate it if you let me refer you. All I need is your email address which you can PM to me.