1. Review your regular payments(phone / internet / TV / gym etc.)

Review all of the payments that you have only used occasionally, or never at all – do you really need it? There will of course be some that are close to the heart (charities etc.). It's fine to have some degree of outlay, but best to keep reviewing it. It's about having room, not cutting to back to bare bones.

For the things your frequently use, such as mobile telephones, call the provider and see if they have any discounts / deals on at the moment (especially if you are out of contract).

2. Review your spend on food

Make a meal plan for the week.

Look at what’s in the fridge / freezer / cupboard and use up as much as you can.

Never shop when you’re hungry – it will be much harder to make sensible decisions when you’re hangry.

Try and reduce take-aways where possible – the meal plan will make this easier if you already know what you’re having.

3. Have a look through your belongings

Is there’s anything you’re not using, and could consider selling (facebook marketplace or ebay?).

4. Have a look at your utility bills (electricity / gas)

Check how long you’ve been with your current provider – if you our out of the initial term (usually 12 months), look at switching to save.

Now it’s getting warmer and lighter, can you turn off the heating (or turn down the temperature or length of time it’s on).

Turn off lights when not in the room.

5. Plan plan plan

Make a budget of what you plan to spend each week and when you have to spend it – and stick to it as much as possible.

Update it with the amounts you actually spent to identify where your money is going.

 

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