I don't do it this way as I'm fairly disciplined with my spending already although it's not a bad way to go. With cost savings, I often equate the money to a thing though. Like, *if I save $150 on so and so, that's a tank if diesel for my 4x4. Turning the money into a tangible thing in my head makes it seem more real.
Thanks for your comment.
Happy to help. I am working towards financial independence too.
Smart way to go. ✅