Everyone knows we need to save our money. Some of us might even believe we make savvy financial decisions when we skip the occasional impulse buy, or pat ourselves on the back when we refrain from buying yet another pair of ripped blue jeans.

For many, the reason they can’t save money is they’re too afraid to face their finances. We worry that we’ll never be good savers and live in fear of our bank balances. There’s a culture of shame surrounding what “they” label “stupid” money decisions. Not to mention the constant anxiety about not saving enough. All this creates a negative feedback loop that inhibits people from learning about their money habits.

This shame is the prevailing narrative surrounding money advice. Far too many money experts are older white males — wagging their fingers at pesky Millennials and self-centered Gen Zers, making idiotic decisions and not buying houses.

Yet younger generations are saddled with outrageous debt. As inflation rates and housing markets rise — that outdated American dream of the Colonial house and picket fence becomes absolutely unattainable. So, when it feels like there’s no goal in sight, it’s tempting to take the nihilistic approach and spend-spend-spend rather than saving. Don’t forget, these generations are coming of age in the “YOLO” era.

In authors Emma Pattee and Stefanie O'Connell’s CNBC article “Personal finance advice relies on shame; what if we tried empathy?” They say: “From the over-simplified math of David Bach’s “The Latte Factor,” to Dave Ramsey’s condemnation of nearly all debt, to the media’s obsession with extreme frugality and early retirement, the message is clear: If you’re struggling financially, you only have yourself to blame. In this mythology, only once an individual takes full responsibility for their situation, will they be able to make the so-called right choices in order to achieve financial prosperity.”

You can’t simply put on a Joe Rogan podcast and magically change your life. Let’s just get to the point and actually speak about the main thing keeping people down: capitalism. So until we get rid of that, inequality will persist and the small-minded powers that be will blame the people suffering from it and for it.

However, it’s not all revolution or Rogan. There is a middle ground. By overcoming your fears you’ll be better equipped to take a peek at your finances and address the issues that are buried there. Rather than restricting yourself by a word like budget, try the term spending plan. It combines the thrill of spending with the intelligence of a plan. With this new term and ideology to hand, perhaps you’ll be able to set aside your money to save.

A spending plan isn’t intimidating — especially with the help of apps like Meet Cleo, which keep it real and keep you on track. By doing what a good friend would, the Meet Cleo finance app will help you to face the numbers and actually do something with them. You don’t have to make a mortgage your goal, but socking the money away can’t hurt.

Here are 6 ways you can shave down those numbers on your spreadsheet and cut costs:


No, I won’t be plugging the house hacking trend here — wannabe millionaire landlords exploiting the lack of affordable housing is not a fun investment strategy for me. However, rent is usually people’s biggest expense. If you can reduce this, it goes a long way to helping you save.

A lot of people don’t know that you can negotiate your rent. Instead of meekly accepting the price offered, you can present your landlord with a figure that works better for you. In a competitive housing market, this will be less effective. But some buildings offer incentives like a few months free. See if you can snag one of these deals. If your lease is almost up, try to renegotiate your rent. It costs landlords a lot to move you out and identify a replacement tenant when it would be cheaper to keep you. Give it a try. What do you have to lose but a couple of hundred dollars shaved off your living expenses.


After rent, food is our second-largest expense. Between groceries and eating out — we’ll get to that — what we eat plays a huge factor in how we spend. While many people will tell you to head to Costco or Walmart to shop in bulk, take a breath and consider your shopping needs. Bigger isn’t always better when you buy more than you can eat because you think you’re getting a deal. It’s clear that bulk shopping isn't the answer for everyone. Shop smarter, not bigger. Go to the grocery store with a list and stick to it. To keep it interesting, maybe allow yourself one spontaneous buy, but trust me. Lists are law.

Eating Out

Like with grocery shopping, the key to curbing impulse shopping is allowing room in your spending plan for small indulgences. Allow for dinner out or delivery once or twice a week, then no more. That way, you’ll eat all the weekly groceries and truly savor those meals out. Two birds, one stone.

You Guessed It … The Latte

Joe Rogan and Co. will tell you that the daily Starbucks run is ruining your life. However, if there’s room for it in your spending plan, go ahead and keep your Starbs if it really lifts your day. For some, taking a walk to their local coffee shop is all that kept them going during the pandemic — and even now. But if hitting your local cafe is a mindless habit that you don’t value, sure, replace it with coffee at home. The key is intentionality, not punishment. Keep your small indulgences within the parameters of your spending plan.


Do you have a wardrobe full of clothes but still feel like there’s nothing you can wear? That means your clothes aren’t following the rules of intentionality, as outlined above. Instead of hopping on microtrends and buying everything on the sale rack, take your time and consider how it will fit into your daily life before purchasing.


Challenge to you right now: list everything you think you’re subscribed to right now. Then go through your credit card statements and itemize all the actual subscriptions. I guarantee you’ll find some you’ve totally forgotten about. Unsubscribe to them immediately. Too often, we forget what we signed up for and end up paying for it months or even years after the free trial is over. Then check through what’s left. Do you need every single streaming service? Do you need every single app? Your screentime and your savings will thank you.

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There’s an internet trend that says that everyone has three drinks: one for energy, one for hydration, and one for fun.

Hydration drinks are usually seltzer, a sports drink, or good old-fashioned water. Fun drinks can be anything from boba to kombucha to a refreshing fountain sprite. But the drink you choose for energy says the most about you. Are you a chill tea drinker? An alternative yerba mate devotee? A matcha-obsessed TikTok That Girl wannabe? A chaotic Red Bull chugger? Or are you a lover of the classics, a person after my own heart, who just loves a good cuppa joe?

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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