How to change things?

lambda

Hello there!

I think you've come to the right place, and looking at your original post I think this can be solved with a little bit of patience. Could you please complete an SOA and post it up on here? Be as accurate as you possibly can. That way it should uncover all of your spending patterns and it the best way to move forward from.

The second piece of advice is budget budget budget budget and then budget some more. Give every pound you earn a job. Set up categories of spending and then record all spending in each category (don't leave anything out) - once the money in that category is gone, it's gone: you have to wait for more income to spend again.

Tools like YNAB (you need a budget) are superb for this and will completely change the way you think about money.

Good luck!