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Saving money and increasing income

Ways to reduce your spending

If you’re struggling to pay your debts, reducing your spending can help you find more money and improve your situation.

Even if you're on a tight budget at the moment, there may still be some things that you can cut back on or find a cheaper alternative. Here are some ideas on ways you could reduce your spending.


To make sure that you're always getting a good deal on your electric and gas bills, you may want to consider switching utility providers. Moving to another utility company could save you a lot of money over the course of a year.

We recommend using a switching service approved by Ofgem.

Telephone, mobile and internet

Look to see if you can reduce your telephone bills by switching to a better deal, for example one that offers free evening and weekend calls. If you currently pay for your phone, internet and TV separately, shop around and see if you can combine all three into one package as this can often work out cheaper.

Satellite TV

Contact your supplier for the options that are available to reduce your subscription to the minimum package. Or you could switch to a free supplier such as Freeview.


Are all the vehicles in your household essential? You could sell a car if it’s not needed on a day-to-day basis.

Food, toiletries and cleaning

Switching to own brand products or making use of special offers that are available in the supermarket help reduce the cost of your weekly shop. Why not try writing a shopping list or doing your shopping online, this way you only buy what you need.

Meals at work

Making a packed lunch and taking this to work is cheaper than buying pre-made sandwiches or salads every day.


Check to see if all of your insurance packages are completely necessary. If they are, use comparison sites to make sure you’re getting the best deal and switch if you’re not.

Clothing and footwear

Try to minimise spending on clothing and footwear by only buying essentials. You could look in charity shops when you do need to get something to lower the costs of buying something brand new.


If you need to buy several prescriptions per month, save money by purchasing a Pre-Payment Prescription Certificate (PPC).

Non-essential items

Try to cut back on non-essential items like dry cleaning, newspapers or magazines, sports and hobbies where you can.

Having trouble reducing your spending? Get free debt advice

If you’re struggling to pay your debts, use our online debt advice tool. It takes around 20 minutes and will give you a personal budget to help you manage your money, along with advice specifically tailored to your situation.

Or, if you’d prefer to talk to someone, visit our contact us page to find out how to speak to one of our Helpline advisors.