If you find yourself in daily bad habits of spending this is probably why it’s difficult for you to have money left over each month for savings. There are lots of ways to save money or just cut down some costs even if you are on a low income, a student or work part time.

Working out your budget is not all about the numbers, it’s also the mindset that goes hand in hand to help you achieve your goals. So here are some ways to start thinking about your money.