Non Marketer Blog
Sep 12, 2025
Do you feel like your money is all over the place? Financial chaos can make you feel stressed and out of control. It can be hard to know where your money goes or how to reach your goals. But it doesn't have to be this way. You can take simple steps to gain financial control and peace of mind.
The first step to getting your money in order is understanding exactly what you spend. Tracking expenses is the first step to financial clarity.
"Start saving money by tracking all your expenses to understand where your money is going." This simple action reveals your spending habits.
Think about Sarah. She started tracking her spending and found she was spending £100 a month just on coffee! Knowing this helped her see where she could make changes. Now that you know where your money goes, let's make a plan.
A budget is like a roadmap for your money; it helps you control where it goes. A budget helps you control your money.
One common method suggests aiming to "include a savings category, aiming to save up to 20% of your income." This is part of popular rules like the 50/30/20 method.
John used the 50/30/20 rule to allocate his income and started saving for a down payment on a flat. With a budget in place, you can start saving.
Having financial goals gives you something exciting to work towards. Goals give you something to work towards, making your efforts meaningful.
Setting "specific short-term (1-3 years) and long-term (4+ years) savings goals" can motivate you.
Maria set a goal to save £5000 for a vacation in two years, breaking it down into smaller steps. Now, let's talk about managing debt.
Managing and reducing debt is key to freeing up your money for other things. Reducing debt frees up your money.
Strategies like the debt snowball or debt avalanche method can help you pay off what you owe. David used the debt snowball method to pay off his credit card debt, paying off the smallest balances first. Let's recap and take action.
Putting these steps into action is how you move from financial chaos to financial control. We covered four key steps: track spending, create a budget, set goals, and manage debt. You can start today with just one small step. Download a free budgeting template or look into local personal finance groups to get started.