Focus on the Big Three Expenses
Target your three biggest costs for savings that dwarf skipping small purchases.
By Retire Early Guide Team1 min read
The tip
Rather than agonising over small daily purchases, look hard at housing, transportation and food — the 'big three' that dominate most budgets. Optimising one large recurring cost usually saves more than dozens of tiny sacrifices, and you only decide once.
Frequently asked questions
Why focus on big expenses?
Because the savings are larger and recurring. Reducing a major monthly cost compounds every single month with no ongoing willpower required.