Owen Rascovitch

So one good example is just selling stuff on eBay or Gumtree.

Yep, freelance, you can go to the website Freelancer, Elance, all these websites.

If you have some sort of skill, you can do it online or you can sell trinkets, whatever you do.

Just so they know that that money from that shift goes to whatever their current goal is.

There's a saying that people have and it's a really good one.

It says that the chains of habit are too light to be felt until they're too heavy to be broken.

This is about getting the right habits.

Obviously, the sooner you can do this, the better.

I have friends that they see money as it's very valuable, so them holding on to money is really important.

And they'll be really creative in the ways they go about saving money and making sure that they keep the money and they don't just give it away frivolously.

So, you know, I've got a friend that isn't afraid to go to Salvos to find a dress or some clothing or, you know, they would even go so far as probably to make something.

And it's not because they, you know, they're a miser and they really just want to hoard money.

But it's because they, you know, they can be creative.

But also they don't see the value in spending, you know, $150 on a new dress or whatever it might be.

So, you know, that's just an example, again, of how you can be creative.

And it doesn't have to be a real chore to save money.

Yeah.

um and the the idea here is with the the chains of habit is that people you know they start with something really small and they give themselves like a concession and then eventually that snowballs and you get to a point where you know you're indebted you've got multiple lines of credit and it can be you know it can just be toxic so it's best to avoid that just nip it straight away and deal with it have you have you got any examples where people maybe be creative with this sort of stuff or

Yeah, so we'll talk about that in a bit more detail soon.

But let's talk about, can you give me just a simple budgeting strategy?