CUTTING FIXED COSTS WITHOUT CUTTING THE FUN

Most money advice at this stage targets the wrong thing: coffee, the odd meal out, small sacrifices that barely move the needle. This guide goes after the big recurring costs, housing, insurance, utilities, subscriptions, banking fees, where one decision keeps paying you every month afterwards. It includes a full audit worksheet, a provider call script that works in any country, a comparison tracker, a savings tracker and an annual review calendar.

• A full fixed cost audit that finds what you forgot you were paying for
• A word for word provider call script for a better rate
• When switching beats staying loyal, and how to tell
• Insurance, subscriptions, vehicle and banking fees reviewed properly
• A yearly review calendar so it stays fixed, not a one off