1. Create a Budget

Start by outlining your monthly income and categorizing your expenses, including fixed costs (rent, utilities) and variable costs (entertainment, dining out). Creating a budget provides clarity on where your money is going and helps you identify areas where you can cut back or save.

2. Set Financial Goals

Define short-term and long-term financial goals. Whether it’s saving for a vacation, buying a home, or planning for retirement, having clear goals will give you a sense of purpose and direction in your financial journey.