When markets feel messy, simple habits matter more than predictions.
1) Pay yourself first. Automate a small transfer into savings the day you get paid.
2) Tidy high-interest debt. Prioritise the most expensive balances first.
3) Keep a cash buffer. Aim for 3–6 months of essentials.
4) Stay diversified. Don’t bet everything on one asset or one headline.
5) Automate investing. A fixed amount every month reduces timing stress.
6) Trim silent subscriptions. Reclaim cash with a 15-minute audit.
7) Write a one-page plan. Goals, contributions, debt order—keep it visible.
Not financial advice. Do your own research.