Financial basics
Build a solid foundation for recording every transaction, separating available cash from savings, and making decisions with real information.
Classify money flows easily and identify spending leaks with a practical approach.
You need visibility before you can optimise. Record fixed and variable income by source, and classify spending with consistent categories every week.
Many financial biases arise from failing to distinguish money available for living costs from money reserved for specific goals.
What to watch
Compare actual spending with your estimates and prioritise simple adjustments: one category a week, rather than a complete audit.
To bring these habits together in one tool, visit the Prism Finance website or app.