How to keep more money in your wallet in 2023

Starting a budget, Johnson says, is the best way to start the process. She encourages her clients to write down variable and fixed expenses and make sure they understand what’s coming out, and going in. Knowing where money is going can help empower clients to take control of their finances. For some, the idea of starting a budget can seem daunting. Johnson says instead of focusing on the negative, start making little changes you can make when it comes to spending.