Budgeting doesn’t always help people improve their financial health. Instead, try some easier money rules such as not limiting your spending on education and healthcare, buying the best quality products you can afford, ditching credit cards when possible, and more.

Many online pages will tell you to start budgeting your money so that you have good financial health, can save, and can also live your life how you want to. However, budgeting isn’t always as simple as it is made out to be, and many people get nervous about budgeting.

In order to help you improve your financial health, we’ve put together a list of easy-to-follow money rules that can be adjusted according to your own financial situation and aren’t as intimidating to get started on:

1. Don’t Limit your Spending on Education and Healthcare

While you can easily cut back your spending on things like branded clothing and luxury cars, you should never try and limit how much money you spend on the important things in life. By important things, we mean your education and your health.

When it comes to these two, spend a lot because it’ll only benefit you in the end. Spending on your education and health will also help you get a great job and can work to earn a comfortable living in the future.

2. Buy the Best Quality You Can Afford

When it comes to buying things – whether it’s groceries or household appliances – consider buying the best quality that you can comfortably afford. You don’t need to run after big brand names, but good-quality things will last you a lot longer, and you’ll spend less on repairs and replacements in the future.

3. Set Aside a Monthly Amount to Save and Invest

It wouldn’t be helpful to tell you to save X% of your income and invest Y%. These figures will vary from person to person and depend on how much you earn and must spend on rent, utilities, etc. What you can do, however, is look at your finances and consider how much money you could comfortably try saving and investing – be it on a monthly basis or a yearly basis.

4. Ditch the Credit Cards Where You Can

When it comes to large expenses, consider paying in cash. So, if you’re going on a trip or planning a wedding, pay by cash, and you can avoid falling into the trap that is credit cards. Credit cards can often have you thinking you have more money to spend than you do, and that’s how you start falling into debt.

5. Don’t Hold Back on Simple Pleasures

Finally, don’t deny yourself the simple pleasures in life. Contrary to what many people will say, not buying your Starbucks every now and then won’t make you a millionaire, although it might make you miserable.

Spend it on simple pleasures like coffee and whatever other small treats you enjoy. Your real financial health will come from your savings and investments, not pocket change.

Try these 5 simple and easy-to-follow money rules, and hopefully, you’ll significantly improve your financial health.