It won’t hurt trying to be more organized with your monetary habits. In fact it is one of those habits that should be greatly improved for as long as you live. It is always better to be more organized with money and spending but one must not be too uptight and be obsessed with nearly just the numbers. You have to live and enjoy your money and investments, you are your biggest investment- so keep yourself happy. It has to be a balance of spending and saving.
First tip: Do not always look at numbers, aim for goal marker boards or listed in notebooks, take health and the desire to eat and travel into priority- not consideration.
Tip 2: this sounds silly to say it this way, but highly consider starting up a money group. It is pretty much a group of mature, trustworthy acquaintances at the least that meet eye-to-eye when it comes to business goals where you all openly talk about the budgeting methods and possible future business together. Get like-minded people such as friends and even family that you’re comfortable with, you can track each other’s progress down and notice that you are drawing yourself nearer to achieving your goals.
Tip 3: Scribble down your daily or weekly expenses. It can be daunting but it is up to you on how to make it fun, it usually ends up becoming fun since you get used to this responsibility. The good ol pie chart can still come in handy, remember to restrain yourself from grabbing that pair of shoes when you have bills to pay. The grocery will save your life even if you do not use coupons because buying and making your own food is much cheaper than going out with travel cost included sometimes. Food is really a gold sink, alcohol is another so watch out for your vice-ridden days. Your memories and consciousness are more blurred so you have to weigh out the budget for that before you set out and get hammered.
Tip 4: Phone your credit companies regularly. Ask them frequently on how you could do better saving your money and what action is the wisest move for your type of plan. This will assure that you are always updated on how much you can save.
Tip 5: Automate. You are very busy and all this money counting is adding to the stress. You can even get an automation app that acts like your little budget trainer. You could look at all your records very easily as well.