Budgeting will help you keep control of your finances and help you to achieve what you want for the future.

Get into the habit of saving regularly with a view to increasing if your circumstances improve (e.g. you get a pay increase at work).

Don’t cut out all of the things you enjoy, or you are setting yourself up for failure. Start off saving small amounts and increasing as you go along.

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Allow yourself a certain amount of cash each week for spontaneous purchases such as lunches, nights out etc. If you’re using a contactless card, it’s very hard to keep track of your spending budget.

Read up on any changes happening within the financial world and how they might affect you such as the housing market, changed in the budget.

Review your financial plans regularly and make changes where necessary. If you receive a wage increase/decrease adjust your saving/spending accordingly.

Credit cards are for emergencies and shouldn’t be used for day to day expenses. If you are relying on your credit card to get you to the next pay day, take a look at your overall finances.

Do you want to save for a house? Research how much it will cost and how much you will need for a deposit. That way you can work out how much you need to save on a monthly basis to reach that goal.

If you feel that you are spending too much money in certain areas try and cut back. In the long term thus will help you to reach your goals quicker giving you a great sense of achievement.