18. Draw up a Proper Household Budget

Instead of using some app or gadget, have a jar or envelope with adequate money for "food", "rent", "transport to work" and "social life" ready each month. When the jar or envelope for a specific heading is empty before the end of the month, it's time to tighten your belt, not using your credit card to top up your "social life" budget.

Avoid Charges on Household Bills
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