Contact Us
We believe that financial empowerment is the fastest way to change lives. At Yenom, we equip people with the knowledge, confidence, and support to make smart financial choices—building independence, resilience, and a thriving community​ We believe that financial empowerment is the fastest way to change lives. At Yenom, we equip people with the knowledge, confidence, and support to make smart financial choices—building independence, resilience, and a thriving community​

Five Easy Habits That Can Improve Your Financial Wellbeing

When it comes to money, most people are not looking for perfection — they’re looking for peace of mind.

At YENOM, we believe that financial wellbeing is less about how much you earn, and more about how confidently and consciously you manage what you have. These five simple habits can help anyone, regardless of income level, take control of their finances and feel more secure, informed and empowered.

1. Track Your Spending for One Week

This is one of the most powerful habits — and it’s completely free.

Take a small notebook or download YENOM’s Spending Diary and write down every transaction for seven days. Include everything: tap payments, bills, food, transport, online subscriptions — even the £2 coffee.

At the end of the week, reflect. What surprised you? What patterns do you notice? Most people uncover at least one “leak” — an area where money disappears unconsciously.

This habit is not about judgement. It’s about awareness, which is the first step to making lasting change.

2. Set a Micro–Savings Goal

Many people don’t save because they assume it requires large amounts. It doesn’t. In fact, small goals are often more effective than big, vague ones.

Start with something realistic:
“I will save £20 per week for the next 8 weeks.”
“I’ll round up every purchase and transfer the difference.”

Create a visible progress tracker — either on paper or in your banking app. Behavioural research shows that seeing your progress motivates you to continue. When the first goal is complete, increase it gradually.

Savings is not about the amount — it’s about consistency and the habit loop.

3. Review Your Subscriptions Monthly

Impulse spending is a common financial trap — especially in the age of one–click buying and targeted ads.

To counter this, implement a simple 24–hour rule for any non–essential purchases. Want to buy a new pair of trainers, a home gadget, or a tech upgrade? Add it to a list or wishlist — then wait 24 hours.

Often, the emotional urgency fades. You may decide you don’t need it, or you find something better at a lower price. Either way, you’ve built a habit of intentional decision–making.

4. Introduce a 24–Hour Pause Before Purchases

Streaming platforms. Meal kits. Fitness apps. Cloud storage. Many of us forget how many services we are subscribed to — especially if they bill automatically.

Set a monthly reminder on your calendar or phone to review your subscriptions. Ask:

  • Do I still use this?
  • Does it add value?
  • Is there a cheaper alternative?

Even cancelling just one unused subscription can free up funds that could be saved or redirected to something meaningful.

5. Schedule a Weekly ‘Money Hour’

Once a week, set aside 30 to 60 minutes to focus solely on your financial life. This could include:

  • Reviewing your spending and income
  • Setting or checking progress on a savings goal
  • Reading one financial article
  • Contacting a provider to ask for a better deal
  • Simply reflecting on your habits or financial stressors

Treat this like a non–negotiable appointment. Use it to build confidence and routine. Over time, the anxiety around money often decreases simply because you’re no longer avoiding it.

Final Word

You don’t need to overhaul your life to improve your financial wellbeing. You need small, sustainable changes — consistently applied.

These five habits are simple, low–effort and effective. Most importantly, they allow you to shift from reacting to your money… to reflecting on it.

Want help getting started

Download YENOM’s free Spending Diary and begin with Habit #1 today.