Frugality

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>>1970114
lower spending on rent

increase spending on bitbean

>>1970117
>rent
I only pay 450/month on rent which is pretty good for London

>bitbean
Sounds like bitcoin stuff, but I'm not looking to invest or make money rn; just to save money

Well there's the site Mint (run by the same people who run TurboTax). It's considered secure, but you do need to put in your account details, so caveat emptor.

Other than that, rather than track spending daily, it's probably more helpful to track it monthly so that utilities etc. aren't throwing you off. If you use plastic to pay for everything, you'll get a convenient list of what you're buying and when.

>>1970140
Yeah I use card for most stuff, but I was hoping for some app with a descriptive statistics dashboard that tells me how much I'm spending a day on average, what I'm spending most on, etc. Basically some nicer and more visually descriptive interface to my payments than a simple chronological list of payments

>>1970162
Mint will do that.

>>1970114
Mint.
If not mint, then just save all your receipts and use an Excel spreadsheet. Making graphs is easy but you should look up "pivot function Excel"

>>1970198
>>1970174
What about monefy? Seems to have a good phone app

>>1970263
Dunno, never tried it.

>>1970266
I think Mint is only for US/Canada

check out money mustache blog... lots of good ideas there. Read up on minimalist lifestyle.
These two helped me out allot. I really dont give two flying fucks about designer brand shilling. I dont need to worry about what car my friends are driving. I am doing just fine. I still buy top of the line stuff for my house... because thats where I LIVE.

>>1970114

Here's my frugal tip, and it has worked really well for me.

Don't bother with a budget. 90% of people who try to do a personal budget end up confused, lying to themselves, or just dropping it out of frustration.

Instead, have money automatically deducted from your paycheck, or from your main bank account when the money comes in, or similar. Put that money into a special account (or a 401K, or an IRA, etc., just as long as it takes some extra effort to get it back out again.) And pretend as hard as you can that this seperate money does not exist.

You'll probably find that like a lot of people, your spending varies by how much money you think you have. And by removing some X percent from your horizon, you don't spend it (absent some emergency).

>>1970114

Here's my frugal tip, and it has worked really well for me.

Don't bother with a budget. 90% of people who try to do a personal budget end up confused, lying to themselves, or just dropping it out of frustration.

Instead, have money automatically deducted from your paycheck, or from your main bank account when the money comes in, or similar. Put that money into a special account (or a 401K, or an IRA, etc., just as long as it takes some extra effort to get it back out again.) And pretend as hard as you can that this seperate money does not exist.

You'll probably find that like a lot of people, your spending varies by how much money you think you have. And by removing some X percent from your horizon, you don't spend it (absent some emergency).

This may seem too simple to work, but it worked for me, and for other people I've talked to. And worked better than elaborate budgeting.