Cut costs around the home

Your household bills

The idea behind budgeting is simply to give you a better idea of where your money goes, so you can plan ahead.

Write down everything you spend over a month, from bills to takeaway coffees. With the figures in front of you, you can make informed choices about where to cut back.

Always check your bank statements to keep track of what money is going out.

Where you can, pay monthly - it's easier to budget and spreads the cost.