7 simple habits to regain control of your budget in 2025

New year, new resolutions... what if 2025 was finally the ideal time to reconcile with your personal finances? You don't have to be an expert in economics to take control of your budget. A few simple, accessible habits are all it takes to make a real difference to your spending!

Here are 5 easy reflexes to adopt to manage your daily budget and make lasting savings. 👀

1. Mapping your expenses for clarity

Before you can optimize, you have to know what you're spending. Sort it out: subscriptions, shopping, transport, leisure... Put it all on the table. Use a budget management application like Bankin' or Emma App: they automatically categorize your transactions and give you a clear (and sometimes surprising) view of your habits.

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2. Share your subscriptions (legally) and save money every month

Are you paying through the nose for your Netflix, Spotify or Disney+ subscriptions? Bad news: you're missing out on a simple trick to lighten your bill.

Among the little habits that really make a difference to your budget is sharing your subscriptions online. With a platform like Spliiityou can legally share your online subscriptions with other users.

The result: savings every month, and subscriptions at half price (or even less)! It's a simple, legal and effective way to take control of your spending without depriving yourself.

➡️ Example: a subscription Spotify Family subscription at €18.21 shared between 6 people costs just €4.18 a month on Spliiit. Why deprive yourself? 

3. Follow the 50/30/20 rule to keep the balance

Ultra simple and effective, the 50/30/20 method consists of dividing your net income as follows:

• 50% for basic needs (housing, shopping, insurance),
• 30% for pleasure spending (outings, shopping, travel),
• 20% for savings or debt repayment.

👉 This method helps you spread your budget more evenly without depriving yourself. And if the "pleasure" part takes up a little too much space, don't stress: adjust gradually, one small change at a time! 

4. Further information Mon Petit Placement: investing (even on a small budget)

Saving is good. But putting your money to work is even better. Long reserved for the initiated, investing is now accessible to everyone! 

➡️ To go further in managing your budget and make your savings grow intelligently, solutions such as Mon Petit Placement can make all the difference. This platform makes it easy to invest as little as €300, with online support and portfolios tailored to your objectives. It's an effective way to regain control of your financial future, without the jargon or headaches.

⭐ The real plus? You can choose an investment profile that suits you - whether you're rather cautious or like to take a bit more risk. For example, if you just want to set aside for a project in 2 or 3 years' time, you can opt for a more secure portfolio. And if you're thinking long-term, there are also more dynamic options: everything is clearly explained, you don't need to be an expert, and you're accompanied step by step! 

5. Adopt lots of micro-habits

Sometimes it's the little reflexes that generate the biggest savings:

🍱 Preparing meals at home rather than ordering in

Ordering food is convenient... but it can get expensive. A takeaway often costs €12 to €15, whereas a home-cooked meal costs €3 or €4 max. By cooking at home, even simple things like pasta or a homemade curry, you'll quickly see the difference at the end of the month.

Prepare several portions in advance (batch cooking) so you don't have to cook every night. Less temptation from Deliveroo, more savings and often more balanced too.

🛒 Compare prices before buying online 

Before confirming a purchase, take two minutes to check whether you can get it cheaper elsewhere. Sites like LeDénicheur automatically compare prices for the same product at different merchants, including delivery costs.

We often think that the difference is minimal... but over a year, it can represent several tens, even hundreds of euros saved (especially on household appliances, tech, or clothing). 

6. 🎟️ Set a monthly budget for going out or shopping that you don't want to exceed

It's not a question of cutting out everything, but setting a framework helps you make the most of it. Set yourself a precise amount for outings or pleasure purchases each month: for example €100 for restaurants, or €50 for shopping.

You can even withdraw this sum in cash, or place it in a separate account so that you don't touch it once you've reached your limit. This avoids unpleasant surprises at the end of the month, while still giving you the freedom to spend!

7. 📨 Use the envelope system (physical or virtual)

The idea is to define in advance how much you want to spend on each expense item, with a budget by category (shopping, transport, outings...). You then place this sum in an envelope: it can be physical, in cash, or virtual via a banking app like Revolut or Lydia.

Once the envelope is empty, no more spending in this category. It's a great way to avoid impulse buying and stay on budget without having to think about it every day.

🩵 Summary

Regaining control of your budget in 2025 isn't a question of complex Excel spreadsheets or deprivation. Above all, it's a question of common sense, organization and a few simple reflexes to implement on a daily basis.

By adopting a few habits, such as keeping track of your expenses, sharing subscriptions, setting budgets by item, or investing intelligently, you can not only make concrete savings, but also start the year with peace of mind.

💡 And with the right tools: management apps like Bankin', sharing platforms like Spliiitor accessible investment solutions like Mon Petit Placement - you have everything you need to better manage your money without being an expert! 

Fewer unnecessary expenses, more control and real financial peace of mind: that's all we wish for you in the New Year!