You don’t need to be Scrooge McDuck to have a good relationship with money. Sometimes small habits make a big difference: regularly checking subscriptions, having no-spend days, or learning to calculate the cost per use of a new item. In 2026, it’s worth taking financial discipline into your own hands – here’s where to start.
1. Check your subscriptions once a month and cancel unnecessary ones
Did you spend money on an app you haven’t opened since the Stone Age? Or an online streaming service where you didn’t even watch the trailer? Once a month, review all your subscriptions, cancel the unnecessary ones, and keep only the truly useful. This is also a great way to see what you’re really spending money on and what you can give up without pain.
2. Have no-spend days
Set aside one day a week, or at least once a month, and try not to spend any money. Bring lunch from home, watch a movie on the sofa instead of going to the cinema, no shopping. These days help you realize how many small things you buy automatically and teach you to control impulsive spending.
3. Go on “dates” with your money
Yes, it sounds strange, but it works. Once a month, sit down with yourself and review your finances: income, expenses, big purchases, and future goals. Make it a habit – money becomes more tangible and turns into a tool. And don’t forget to appreciate yourself – discipline deserves recognition too.
4. Review your financial opportunities
We often only see expenses and forget opportunities. Maybe there’s an unused health insurance benefit at work? A bank account with a better interest rate? A tax deduction you haven’t claimed? Once a month or every couple of months, take a look and ask yourself: “How can I increase my income?” Sometimes the simplest ideas bring unexpected benefits.
5. Apply the 24-hour rule for online shopping
Added something to your online cart? Great, but don’t pay immediately. Wait a day. After 24 hours, it will be clearer whether you really need the purchase or if it was an impulse buy you might regret later.
6. Automate what you can
Set up automatic payments: gym, savings account, monthly bills. Automation saves time and stress, and your money starts working for you even when you’re busy with other things.
7. Invest time in financial literacy
Even five minutes of reading a reliable financial source each day can give you actionable ideas. Books, blogs, podcasts, interviews – learn, explore, and apply. The more you know, the fewer impulsive purchases you make, and the easier financial decisions become.
