1. Set your goal
This requires a lot of research. And, preferably, don't decide on a Celine or Hermes to be your first choice. What I consider to be a good and achievable budget is two months of your current salary. Yes, it will take you some time since you have to factor in your regular expenses as well, but it can be done. So look online and in stores for a designer bag you like that (more or less) fits that budget and lock down on it.
2. Now create a budget
According to your goal, create a fitting budget. If you want to be able to buy the bag in six months, you have to save about 33% of your salary every month. Sit down with a pen a paper, write down the amount you earn every month and start calculating all of your expenses. Some will non-negotiable ones -- like rent, fuel, etc. For all other things, set aside a fixed amount of money. You can also keep a very small splurge budget, to treat yourself to something new every now and then. But don't ever exceed it.
3. Freeze your extra cards
Seems too dramatic? GOOD. Do it. Just keep the one that gives you the best rewards with you for the next six months so that all of your expenditures are contained in one bill. The others can go in a locker, or you can hand them over to someone trustworthy for safe-keeping. Whatever keeps you from using them. Also, freezing them feels like a good idea because it just makes your money-saving journey more real. It can really help strengthen your resolve.
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