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.

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