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A favourite tip of mine is to set up different savings accounts for different needs. Everyone should have one specific account from which a notice is needed to withdraw the funds from the bank. This way we are preventing ourselves from withdrawing from it unnecessarily. This savings account should only be used for unexpected expenses and expenses in an emergency 8. Beauty Treatments Looking neat and presentable is always a win. Looking good makes you feel good. A handy tip would be to keep an eye out for special offers like purchase three waxing treatments and receive the fourth free or even combo hair and beauty treatments. Keep trying: Do not give up, as with all fitness, you start off slowly, and keep consistent in order to reach your goal. Remember that the goal in being financially fit is contentment. Knowing that you are not wastefully spending is an act of worship.