You are cutting the wrong expenses

📌 Today’s Edition

💡 You are not bad with money. You are just cutting the wrong things.

🧠 Most people slash the small visible costs and ignore the habits actually draining them.

✅ Keep what builds your health, skills and income. Cut what keeps you distracted and broke.

⚠️ Extreme budgeting feels strong for a week. Then you snap and overspend. Build systems, not punishment.

⚠️ If you are constantly cutting things that improve your energy, confidence, or income potential, you are sabotaging yourself long-term.

Saving £80 a month by cancelling something that keeps you focused and productive can easily cost you 800 in missed opportunities later. Cut things that are unnecessary and affect your life overall.

❌People cut visible expenses, the easy ones.

Coffee. Spotify. Gym. Books. A nice haircut.

But they ignore the silent money leaks.

Impulse Amazon orders. Random takeaways because they did not plan meals. Upgrading phones every year. Subscriptions they forgot about. Nights out, they barely remember.

It feels productive to cancel a 9.99 subscription. It does not feel productive to admit you have no spending system.

That is the real issue. Furthermore, 40% of people in London forget to cancel a membership they do not use, which costs them a minimum of £19.99 per month.

✅ The solution

Stop asking what I can cut.

Start asking what actually moves my life forward.

Keep the expenses that improve your health, skills, network, or income. Cut the ones that numb you or distract you.

There is a big difference between investing in yourself and escaping your life. For example, do not cut down on the gym, as it has many benefits not only for your health but also for your overall well-being.

🔍 My setup

I focus on 3 categories only.

Put your salary down and decide how much you will allocate to each category. The most important thing is to make sure you follow the plan and never go over it, not even by 1p.

📘🟦 Real Example

Let’s say someone cancels their gym to save 40 a month. That is 480 a year.

But now they feel worse physically. Energy drops. Confidence drops. They skip networking events. They do not push for promotion.

That 480 saving can quietly cost thousands in lost salary progression.

Now compare that to cutting 3 impulsive food deliveries a week at 15 each.

That is 180 a month. 2160 a year.

Same discipline. Very different impact.

⚠️ The mistake

Extreme restriction feels powerful in the moment.

But wealth is built with systems, not suffering. We all want to be successful and increase our incomes and invesmtents but we need energy to focus on our goals and work towards them.

If your budget makes you miserable, you will break it. And when you break it, you usually overspend.

Before you keep reading 👇

Audit your last 30 days.

Highlight what actually improved your life. Keep those.

Circle what was just boredom spending. Cut those first.

Most importnat be honest with yourself.