Carrie-Ann McLean, author and money saving expert, overcame debt and extreme poverty to get a financial education so she would never be in the red again.. The Mirror wrote about her experience.

The expert spent more than ten years learning how to manage the family budget wisely, and now helps others. She explains how to take control of your finances and cut down on unnecessary expenses.. Below are the main tricks that helped her save 3,000 pounds (157 thousand. UAH) per year.

Carrie-Anne recommends tracking every transaction for a month so you know exactly where your money is going. "

Using a notepad or app, categorize your expenses: grocery shopping, subscriptions, lunches, and identify areas you can cut back on.. This could save you around ?100-150 per month.. For example, expenses are 27.40 pounds sterling (1.4 thousand. UAH) per day amount to 10,000 pounds sterling (525 thousand. UAH) per year.

Allocate 70% of your income to basic expenses, 10% to savings, 10% to treating yourself, and another 10% to donations or investments..

This method creates financial discipline while allowing you to enjoy life without guilt.. Put your money where it's needed. For example, grocery shopping can easily get out of hand if you don't have a plan, so it's worth making a weekly meal list based on sales and what you already have in stock.

Do you have gym memberships, streaming services, or magazine subscriptions that you rarely use Carrie Anne suggests doing an audit..

" Can save ?20-30 per month by canceling 2-3 subscriptions.

When shopping for groceries or household goods, try replacing expensive name-brand brands with affordable generic options. Kerry-Anne explains: "

" No matter how difficult your situation may seem, change is not only possible, but achievable. With determination, the right strategies and the willingness to take the first step, you can change your financial future,” summed up Kerri-Ann, author of Budget Law. Get rid of debt and improve your financial and mental well-being."

Let us remind you that previously 39-year-old millionaire Bernadette Joy, author of the Crush Your Money Goals podcast, worked as an HR manager for about ten years. Over the years, the woman has formed 3 key habits that allowed her to develop her strengths, increase wealth and achieve success..