YOU CAN NOT MANAGE YOUR MONEY UNLESS YOU REALLY KNOW WHAT IS GOING WHERE. CHECK YOUR BANK AND CREDIT CARD STATEMENTS CAREFULLY AND TRY KEEPING A NOTE OF EVERYTHING YOU SPEND. IT CAN BE A SHOCK TO FIND OUT HOW MUCH THE LITTLE THINGS REALLY ADD UP TO.

THERE IS NO NEED TO FANCY SOFTWARE – A NOTEBOOK AND PEN AND A BIT OF DEDICATION ARE ALL YOU NEED. IF YOU DO WANT TO GO TO HIGH-TECH, THERE ARE MANY PERSONAL FINANCE PROGRAMMES THAT WILL HELP YOU KEEP TRACK….YOU NEED TOO KEEP A BUDGET.!!!

“I use a smartphone application called Toshi to record everything that I spend. Even though this was a wicked idea I find just writing it all down helps..”

…..make the most of what you have got…..

DO NOT MISS A TRICK WHEN IT COMES TOO MONEY. YOU CAN SAVE HUGE AMOUNTS OVER TIME BY MAKING A FEW SMALL CHANGES. YOU CAN READ NEWSPAPERS AND MAGAZINES FOR FREE IN YOUR LOCAL LIBRARY, WHERE YOU WILL ALSO FIND SOME BOOKS ON SAVING MONEY. MAKE BETTER USES OF VOUCHERS AND OFFERS – THE MONEY SAVING EXPERT IS PACKED FULL OF WAYS TO HELP YOU MAKE THE PENNIES STRETCH FURTHER.

…..maximise income…..

IF YOU ARE ON LOW INCOME OR YOU ARE NOT IN WORK YOU SHOULD BE GETTING FINANCIAL SUPPORT FROM THE GOVERNMENT. WHAT ARE YOU ENTITLED TO? HEAD TO THE DIRECTGOV WEBPAGE ON MONEY, TAX AND BENEFITS, WHICH WILL HELP YOU WORK OUT WHAT OUT WHAT YOU CAN CLAIM. OR YOU CAN USE THE 5 MINUTE BENEFITS CHECK UP ON THE MONEY SAVING EXPERT WEBSITE.