Part 7/10:

• Silver Rule: Maintain visibility of your finances. Using tools like Excel dashboards, he tracks his income and expenses meticulously. This transparency allows him to identify spending leaks and optimize his financial health.

These rules work hand-in-hand, fostering disciplined savings and fostering awareness of financial habits.

Starting Small and Cultivating a Saving Roadmap

For those new to managing finances, Martin recommends starting with small, achievable savings targets. Setting a concrete goal—like saving for a wedding over a year—allows you to break it down into monthly targets. Tracking progress builds motivation and clarity.