5: Plan ahead
Christmas, birthdays, holidays, car insurance – these are consistent. They aren’t ever going to go away and they happen on the same date every year. See them as a gift – yes they are annoying and expensive, but you already know they’ll happen, so they’re easy to plan for. Saving for these over the course of the year doesn’t hurt quite so much. Yes, this takes more restraint than not buying the coffee from point 4, but believe us when we say it’ll change your world.
Now when your friend invites you on a last minute holiday, you’re far more likely to say yes than if you’re scraping by month to month.