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How to Quit Habits That Only Give You Debits (and Zero Credits)

  The Raw Truth About Habits That Rob Your Life 🧾 Let’s Get One Thing Straight Some habits are expensive. Some habits are hard. Some habits are inconvenient. But then there are habits that are pure debit — no return, no benefit, no damn reason to stay. These are the habits that drain your energy, your money, your time, your self-worth, and your potential — and give you absolutely nothing back. No growth. No health. No meaning. Just destruction with pretty packaging. 🔥 What Counts As a Habit with Only Debits? Let’s call them out — no sugar-coating: ❌ Smoking Cough, cost, cancer. Stinks, stains, steals your lungs and your cash. Makes you anxious while pretending to calm you. ❌ Drinking Trashes your liver, sleep, and peace of mind. Amplifies sadness, regret, and risky decisions. Disguises itself as “fun” while hollowing you out. ❌ Cocaine / Hard Drugs Burns through your brain, bank, and soul. Makes you feel like a god for 20 minutes —...
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How to save money each month for your retirement

 If you want to save money each month for your retirement, you need to think of a percentage of your income you can comfortably put a side as soon as you get paid.

 If you put a percentage % away of your take home income you can start a saving budget planner to see where you’ll be in 5, 10 or even 20 years time! 

Here’s an example if you were to put £750 away each month into a savings account… 

Month 1 £750

1 year £9,000

2 years £18,000

3 years £27,000

4 years £36,000

5 years £45,000

Jump to 

10 years £450,000

15 years £675,000

20 years £900,000

Wow that’s pretty impressive heh, so imagine if you could also earn more, get a return on this money by investing and save on your overheads (ie bills by shopping around) you could make this figure huge!!! 

Have a little play around and see what your financial future can look like (include pay rises too!)


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