Sublime

THE À LA CARTE METHOD takes advantage of psychology to cut our spending. Here’s how it works. Cancel all the discretionary subscriptions you can: your magazines, TV — even your gym. Then, buy what you need à la carte. Instead of paying for a ton of channels you never watch on satellite, buy only the episodes you watch for £2.49 each from iTunes.

For instance, the number one mistake people make with their credit cards is carrying a balance, or not paying it off every month.

But the goal of All Your Worth is not to keep making minimum monthly payments forever; the goal is to get rid of these debts altogether. So leave them out of the Must-Haves; they will go in a separate category later on.

But first, we’ll set up automatic credit card payments so you never miss a payment again. Then, we’ll see how to cut fees, get better rewards, and take everything you can from the credit card companies.

Did he freak out or start yelling about how to negotiate out of bank fees? No, he simply pointed out something very gently: “What if you focused on your overdrafts? If you eliminated just those fees, you’d be so much better off.” Simply avoiding overdraft fees was a Big Win for her.