Sort all spending into must-have, nice-to-have, and waste—cut or change one item.
Create a one-page budget summary to share with an advisor—check alignment.
Ask someone with finance skills to review your latest plan for blind spots.
Create a scenario plan: what would you cut first if budget dropped by 25%?
Run a “value for money” test: is ROI clear for each major expense?
Track every expense for seven days—even tiny ones—and reflect on patterns.