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A simple routine change when payday rolls around could be all it takes to saving more money every month. 

Helen Baker, a financial advisor and founder of On Your Own Two Feet, told FEMAIL you're more likely to spend money if it's sitting in one account.



However, many people fall into the mistake of not separating their income into multiple accounts.

'A lot of people think they'll save the money that's left over in their account at the end of their pay cycle,' Ms Baker, from Brisbane, said.

'Even if we have the best intention of doing so, it's a behavioural trait to spend more if it's seen in one lump sum.' 




Helen Baker (pictured), an Australian financial advisor and founder of On Your Own Two Feet, told FEMAIL you're more likely to spend money if it's sitting in one account


What should we do with our money after payday? 
Following instant payday loans [smartfarm.gnu.ac.kr], income should be separated into three different 'money pots' - one for commitments like debt, rent, bills or mortgage repayments, a spending account for 'fun money' and a third for savings.


Ms Baker said: 'There's a saying that it's not about what you earn, it's about how you manage your money that determines what your outcome is. 



'So someone who's earning less than an employee on a higher income could in fact be saving more if they manage their finances well.' 

While there's no limit on the number of accounts one person can have, Ms Baker recommends having a minimum of three. 

'If you only have two accounts, it's very likely to become a grey area and you won't know precisely how much you're saving or spending,' she said.

'The savings could be a fixed amount towards something you're working towards or it could be an amount you're comfortable putting away. It could be invested or put away when it's needed.

'You'll be surprised how much you'll save by putting the money away every time you're paid as it accumulates over time.' 







How much money should be allocated towards savings each month? 
There's no 'magic number' when it comes to how much a person should contribute towards their savings after being paid - and is quite a personal choice.

While most aim to allocate 20 per cent of their income into savings, Ms Baker recommends 'working with the numbers' rather than percentages. 

She recommends tracking your finances in an excel spreadsheet to determine how much money is left over after expenses, spending and liabilities are considered. 

'By looking at it factually number by number, you'll be able to determine if you can save even more,' Ms Baker said. 

'But someone who's earning a higher wage should dedicate more towards their savings rather than the bare minimum because otherwise they'll be missing the mark.'




While most aim to allocate 20 per cent of their income into savings, Ms Baker recommends 'working with the numbers' rather than percentages (stock image)

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A 41-year-old man has been slammed after revealing he has no job, no savings and relies on his parents to pay his rent - because he refuses to accept work that is 'beneath' him.


Brint Davy, from Austin, Texas, appeared on a recent episode of Caleb Hammer's Financial Audit on YouTube.

He explained how he is thousands of dollars in debt after taking out a series of payday loans, but still shells out on gambling and subscriptions for the likes of Netflix and OnlyFans.

Brint clashed with the host over his 'immature' choices after he refused to cut all superfluous items from his spending and baulked at the idea of getting a job to cover his debts.




Brint Davy, from Austin, Texas, appeared on a recent episode of Caleb Hammer's Financial Audit on YouTube

Brint began the interview with shocking revelations about why he has been left in such a predicament.

Asked what he does for a living, he explains: 'Too many things. I don't even know really. I'm just hustling every day basically because I have been blacklisted from most jobs. 

'I have a criminal background. I told Governor Abbott on Twitter that I would eat his heart and that solicited a big reaction.'

Brint said that he was then arrested by six agents and spent four days in jail on a terror hold in Travis County.

'It sounds way worse than it was because I'm not a cannibal for one - I don't eat hearts - and the state really wanted to prosecute me,' he said.

'They were thinking about making it a felony for a while and they just dragged it all out for a year and it took a long time.'

The interviewee, who worked previously as a journalist, explained that despite the incident happening in 2018 the fallout continues to linger over him. 

Brint said he has been applying for jobs that he is 'wholly qualified for' but still gets rejected.




He explained how he is thousands of dollars in debt after taking out a series of payday loans, but still shells out on gambling and subscriptions for the likes of Netflix and OnlyFans





Brint said: 'I have a criminal background. I told Governor Abbott (pictured) on Twitter that I would eat his heart and that solicited a big reaction'

'They either say I'm overqualified nicely which just kind of sucks and sometimes I'll be like "yeah I know but I want a job."'

He said that other potential employers had also run background checks, which revealed his criminal past.

Brint claimed that not being able to find a job has left him 'freaked out,' adding: 'My savings are gone. I'm mostly dependent upon my parents. They pay my rent. I know it sucks but they're really nice.'

Caleb asked if he felt embarrassed about having his parents, who are of retirement age, covering his $1,500 a month rent - which they have been doing since 2016. 

To which, Brint responded, 'a little bit but I know that they're capable of it.'

Despite his dire financial straits, Brint said that he would not accept any job that felt like a 'step down' including working at a fast food chain.

Caleb continued to probe as Brint explained he refuses to take an opening that is 'beneath him' because 'something better is going to come along and I just know it.'











Despite his dire financial straits, Brint said he would not accept any job that felt like a 'step down' including working at a fast food chain 





Brint clashed with host Caleb (pictured) over his 'immature' choices after refusing to cut back certain superfluous items from his spending

He continued: 'How long do you think I'm going to last there until I raise an issue? 

'I just know somebody's gonna be like "oh you think you're a smart kid" and I am.'

Brint added: 'I think people are afraid that if I go into a job they're afraid I'm going to be their boss right off the bat because I might be just because it's my attitude and I'm smart. I can boss people.'

Caleb then tried to encourage Brint, who owns a Volkswagen Eos which has left him in $9,000 debt, to investigate the possibility of working for Lyft, Uber Eats or Amazon. 

But he said: 'I can already see it as a dead end... I don't like to waste time.' 

He explained that his income comes in the form of 'odds and ends here and there' before describing his financial situation as 'bleak af.'

Brint previously owned an advertising agency and was earning $500,000 a year, but his life began falling apart.

He was assaulted and his then apartment, which he did not have renter's insurance for, burned down in 2012.

'I just kind of gave up... I just completely broke down. I just gave it all up,' Brint said.

He said he referred out his clients to competitors and was left to live on his savings that equated to about $10,000, which he 'drained trying to survive.'

Caleb began to sift through his financial records and found several outgoings to the lottery.

Asked why he is spending money on gambling when he has limited funds, Brint said: 'It's just for the entertainment.' 

Elsewhere in his spending were receipts for eBay, coffee, cinema trips, Prime Video, Netflix and OnlyFans - to name just a few.



Brint said he now had no savings or any kind of retirement fund, explaining: 'I have nothing left. It's bad.'

He currently has $700 debt on his credit card and also ended up taking out $3,000 in the form of short-term payday loans bad credit (careked.com) loans with 100 per cent interest rates: 'It's not good, it's really not good, it hurts.'

Caleb asked why he took out the loan, to which the keen singer responded: 'I wanted to develop an album and meet a musician that could help me develop it.'

The financial expert concluded by urging Brint to secure any type of job to start bringing in income which would then allow him to pay off his debts.

He advised that he could still apply for 'career jobs' at the same time, but should cancel all subscriptions, stop gambling and cut out spending on eating out.

But Caleb said that he did not think the discussion had acted as a wake-up call due to Brint's apparent 'immaturity.'

However, his comments did not go down well with his guest who furiously hit back: 'I get the show. Everyone can feel better about their positions because I'm so f***ed up.

'[Your show] is not that unique, it's not that ***, it's not that impressive. I get your routine....

'If you call me a baby, I'm gonna critique you because I'm a critic too.'

Caleb said: 'I don't know why you're taking this in such a negative way. I am showing the negative situation of your situation and then what can be done to improve it yet you are taking it as an insult.'

The host concluded: 'I hope you make some sacrifices, I hope you make a budget, I hope you take care of your mental health because that is everything, I hope you pay this off as quick as possible and I hope you start contributing to retirement some way.

'I'm nervous for you - just go work a job that you doesn't feel values you for a bit while you look for that career position.

'Bring in some money now and take care of the situation.'






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