Managing expenses today can be challenging with rising costs, but minor adjustments help.

1. Managing Fixed Costs: Since building rates and utilities are non-negotiable, I reduce usage to save a little extra.

2. Cooking Instead of Dining Out: Dining out occasionally is nice, but with two chefs at home cooking on alternate days, we enjoy different cuisines with unique modifications. This keeps meals exciting and saves money.

3. Prioritizing Quality: I buy quality groceries for better meals and less waste. Limiting junk food helps save and promotes healthier eating.

4. Avoiding Trend-Based Spending: I stick to reliable appliances and avoid replacing items just because new versions are available.

5. Staying Flexible: Life happens, so I adjust as needed while treating ourselves occasionally with simple joys like a favourite dish at home.

With mindful choices, balancing income and expenses becomes more manageable without sacrificing life’s pleasures.