Canna Campbell

You know, going through your budget but also going through your transactions, you know, making sure your budget actually matches how you really are spending because a budget is an intention.

The transaction is the truth and reality of where your money actually goes.

And look, when you look at the transactions and you can sort of be a lot more accountable and honest and, you know, go, well, look, I say I only spend $200 on my paper budget over here, but look, I'm actually spending $300, you know, on groceries.

That's what you need to catch.

And that's where you need to get back in control and identify the wastage and the leakage.

And you've got to look at everything.

You can't sort of pick and choose the stored expenses that are convenient to your brain to look at.

You've got to look at the food.

You've got to look at the subscriptions.

And keeping in mind that subscriptions, where they're coming out of, may necessarily be a different account or for a credit card.

You've got to keep an eye as to where all these things are being paid and checking all those things.

looking at your groceries, but you also may be eating out a lot.

So you might think, oh, well, it's fine, I'm actually sticking to my groceries budget, but really you're just spending less on the groceries because you're eating out more or getting, say, home delivery or takeaway.

And the impulse spending and, of course, all those utilities that we all have to pay for are part of adult life.

And it's not about necessarily one big cut to find, for example, the $100.

do understand that it might actually be a combination of different areas.

It might even be 10 different areas that each save you $10 a month that help find you that $100.

This is what we need to do if we really want to try and make a shift and improvement in our financial well-being to find that extra money that we can actually do something with.

Oh, we have so many episodes on this, but there are, you know, and I really am big on trying to earn lots of money.

Obviously, keeping in mind, you know, you might have young children, you may have responsibilities, you may be also working really long hours and you're, you know, completely brained at the end of the day.