<aside> 1️⃣ Step 1 : Note down list of spends

</aside>

Spend tracker

<aside> 2️⃣ Step 2 : Transfer 6 months of monthly expense to a secure bank account. Use this account strictly to pay recurring bills.

</aside>

<aside> 3️⃣ Step 3 : Stop your credit lines if possible including but not limited to credit cards, buy now pay later products until your monthly income starts flowing again.

</aside>