The thing is, when you do get the pay rise or the better paying job, our instinct is to upgrade the car, get a bigger house, better holidays - it’s called lifestyle inflation. Which makes sense but keeps you trapped trading time for money in the same way you were before. So here’s some tips that finally helped me out of that cycle: 1. Start living below your means (boring but so effective) 2. Use the 50/30/20 method. 50% of income to bills, 30% guilt free spending, 20% savings and investments 💸
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