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Three calm months to put steadier systems in place — no austerity, no extremes.
Month 1: See it, then trim it
Start with a clear picture. A quick scroll through your last month of transactions is usually enough to spot the leaks — the things you forgot you were paying for or didn’t realise were adding up.
Trim the easy wins: unused subscriptions, duplicate services, and impulse delivery. These are the small edges that often free up the most headspace.
Add a simple 24-hour pause to any non-essential purchase. It turns rushed decisions into intentional ones.
Month 2: Automate the essentials
Create a separate bills account and redirect your fixed costs there. This keeps the essentials ring-fenced and easier to monitor.
On payday, automate two transfers: one for bills, one for savings. Even small amounts build rhythm — the goal is structure, not perfection.
Put minimum repayments on autopilot where possible. It helps protect your credit conduct and reduces day-to-day decision fatigue.
Month 3: Build a small buffer
Aim to sit roughly six weeks ahead on bills and repayments. It’s a soft buffer that makes the month feel calmer and less reactive.
When you can, direct windfalls and round-ups into that buffer. Small boosts compound quickly over a few months.
Book a short “money WOF” to adjust your categories, expectations and targets. It’s an easy way to lock in the habits you’ve built.
The point
You’re designing a system that relies less on willpower and more on structure. Once the basics run themselves, most people notice more breathing room in both their headspace and their bank balance.
Start my 90-day plan
Ready to go? Set up two automations today. If consolidating or a fresh facility would make the reset stick, get in touch with the team at better finance™. We’re personal finance experts who can help you look at your options and determine the right strategy for you.
Approval subject to responsible lending inquiries. Normal lending criteria and fees apply. This is general information, not personalised financial advice.
