Keep a spending diary
A spending diary can not only help you track what you spend each day, but how you were feeling at the time. For example, you might feel the urge to 'boredom shop' during your lunch break. If this is the case, a spending diary can help you spot a pattern you should break. You can then avoid feeling bored during lunch by reading a book or listening to a podcast instead.
Check for cashback and points you can spend
Do you use cashback websites? You may have some available credit on your account that you can trade in for cash. If possible, try trading the cashback in for a specific retailer or chain. This'll often give your cashback an extra boost.
Do you have a card where you collect points while shopping? Now's the time to see if you can use these points to reduce your food shopping or other living costs.
Plan your meals until payday
Take a look at what food you currently have in the cupboard and freezer. How many meals can you make out of this food? Would buying some staples such as pasta and rice make these ingredients stretch further? Planning your meals can help prevent you spending more money on food than you'd like. Also, batch cooking and freezing food can help your meals go even further.
Remember: you should never go without nutritious food or proper meals in order to pay off debt or maintain a budget. If you're already cutting back on food or worrying that you might have to, please get in touch with us.
Check you're getting the best deals on your bills
When was the last time you checked to see if you could get a better deal on your energy? Are you spending too much on your phone contract? You might not make savings on these bills straight away, but it's still worth seeing if you can get a cheaper deal elsewhere, or negotiate a better deal with your current supplier.