The spending habits check will indicate where your money is going, your recurring payments, and your saving potential.
Besides reaching the final amount, the saving goal should also outline how to achieve it. Your final saving goal should be achievable based on your income.
With spending habits analysis and saving goals checked, budgeting should come easy. You can also get creative with a spending budget (permission to spend) instead of a saving budget.
Impulse buying has to stop completely. Compare me with your nagging mother, but you can’t afford to spend money on things that don’t make sense.