Review last month’s personal spending and identify one area to optimize for freedom or enjoyment.
Set a calendar reminder to check your balances or pensions every Monday morning.
Create a simple spreadsheet to track three regular expenses and update it daily for one week.
Categorize five recent expenses as essential or optional to better understand your priorities.
List your top three recurring costs and brainstorm one possible improvement for each.
Review one past payment or bill—check for errors or unnecessary charges today.

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