The FINANCIAL -- 1. Create a budget
It’ll help you stay in control of your money and keep track of what you have coming in, and what you have going out. Prioritise your outgoings, and make sure you pay for essentials before you treat yourself.
2. Set savings goals
Think about what you’re saving for. If you’ve got something specific in mind, whether it’s a trip abroad or a new gadget, you’ll be more motivated to manage your money and control your spending.
3. Work out how much your everyday treats really cost
That morning coffee run could cost around £730 a year. Use online cutback tools to find out how ‘little’ your little treats really are, and discover how much you could save.
4. Get creative with your entertaining
You could have a themed night in with friends rather than going out, or host a cooking competition at home instead of getting a takeaway.
5. Save with vouchers or discount apps
Look out for ways to save like downloadable vouchers for restaurants, or discount apps to save money on cinema tickets.
6. Ask yourself ‘do I really need it?’
Quality or quantity? One piece of clothing that costs more, but may last longer? Or several cheaper items that you can mix and match, but might wear out more quickly.