Week 4: Trim & Tweak
Goal: Find easy wins to save more, without sacrificing the things you love
This week is all about simple ways to lower your spending without feeling restricted. Small, mindful changes can free up cash for the things that really matter: like building savings, paying down debt, or hitting a financial goal.
Let’s dive into how to make that happen:
Smart Swaps, Not Sacrifices
Cutting back doesn’t mean cutting out joy. Try simple swaps:
- Brew coffee at home a few times a week instead of daily takeout
- Switch to store brands for basics
- Rotate or pause subscriptions instead of paying for all of them at once
Audit Your Spending
Take 30 minutes to look over your expenses from the past month:
- Are there subscriptions or services you forgot about?
- Did any impulse buys stand out?
- What spending actually brought you value?
Cutting what’s no longer serving you can make room for what does.
Rethink Dining Out & Impulse Spending
- Set a weekly dining out limit
- Try a “no-spend” day to reset habits
- Use a 24-hour rule for non-essential purchases to avoid impulse buys
This Week’s Tasks:
- Review your subscriptions and cancel or pause one you’re not using
- Cook at home 3 times this week instead of eating out
- Try a no-spend day (or weekend!)
- Apply the money you saved to a goal (emergency fund, debt, etc.)
Small changes lead to big results over time.
What’s one thing you’ve cut or swapped recently that actually felt good?
Share your wins or tips below 