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Try making a spending diary to record and manage what you spend in a week. It can be an easy way of cutting back on some non-essential items. 

In a spending diary, you record what you spend over the course of a week. Then look where you may be able to save money. 

A budget planner will help you manage your money. 

To complete a budget, you will need: 

  • bank statements 
  • your payslips 
  • all household bills 
  • receipts 

There are different ways you can change your situation:

  • increase your income by getting the right benefits or changing jobs. 
  • you can also find out how to save with our money-saving tips.