Day 13 of 28 Days Richer

One thing each day that puts money in your pocket and takes 5 minutes or less.

One bank account trying to do everything leads to chaos – money comes in, money goes out, and you never know where you stand.

Three accounts with three purposes means zero confusion.

The Three Accounts

Account 1 is for bills: your salary lands here, all direct debits come from here, and you never touch this money.

Account 2 is for spending: your fun money for the month covering eating out, clothes, and entertainment, and when it’s gone it’s gone.

Account 3 is for savings: untouchable and out of sight, just quietly building up.

Bills get paid automatically from Account 1, so you never accidentally spend the rent money because it’s not mixed in with your spending cash.

Account 2 gives you guilt-free spending where whatever’s in there is yours to enjoy with no mental maths needed.

Account 3 just grows quietly in the background.

Bills get paid automatically from Account 1, so you never accidentally spend the rent money because it’s not mixed in with your spending cash.

Account 2 gives you guilt-free spending where whatever’s in there is yours to enjoy with no mental maths needed.

Account 3 just grows quietly in the background.

You probably already have one account, so open a second one today.

Remember Day 1?

You can get paid £175-250 to do this using current account switch offers.

Use that new account as your spending account or bills account and keep your savings somewhere separate.

If you set up Account 2 and Account 3 using bank switch offers, you could earn £350+ in free cash just for getting organised.

Switch once for £175, then switch again with a different bank for another £175+.

You’re literally getting paid to sort your finances out.

Some people have five or six accounts, but you don’t need that.

Three is enough – bills, spending, and savings.

That’s the foundation.

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