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Budget. Don’t need to be fancy. But build a view on the things that you’ll need to pay for over the year (Christmas, birthdays, holidays, car service, boiler service etc) and actually put money aside every month to pay for those things. Nothing beats the adult feeling of “yes, I’ll just pay for this thing here from this envelope and done”.
And if you're uncertain about the exact numbers always overestimate costs and underestimate income.
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