The first step on your road to a healthy bank balance is to acquaint yourself with cash. Only cash. No more buying rounds of drinks for strangers before dawn with a quick tap and go, or waking up in the morning to find you put the Siberian tiger in the bathroom on your credit card. By withdrawing cash once a week and sticking to your budget, you’ll be spending consciously, aware that each transaction reduces the amount in your pocket. Your debit or credit card don’t do this. Moreover, you’ll be thinking twice before making bigger purchases. Try the $200 rule. Anything over this amount and you give yourself 48 hours to think about it before committing. Caveat: does not work with mortgage payments.