Big Small Change
There are many things that people spend their money on, which can be avoided with cost-effective alternatives. For example, if you are known to cab/ride-hail everywhere you go, try to cut that down by opting to take the public transport for shorter distances (as a start). Since old habits die hard (and you’ll probably resent it in the end); start with small, baby steps as you transition into the new lifestyle.
Instead of eating out for every meal, consider cooking one meal each day as a start. And while you’re cooking that meal, you might want to cook more to bring to work the next day.
Shop In The Morning
When you are tired from work, you are more inclined to make irrational decisions to get over the task. This could lead to overspending and or making poor purchase decisions. With that in mind, keep your shopping to after a good night’s sleep as you are more alert and aware of what you really need.