Make a budget: Write down your income and expenses to see where your money goes each month.

Track your spending: Keep an eye on what you spend daily to avoid going over your budget.

Cut unnecessary costs: Look for things you don’t really need and cut back on them to save more.

Set financial goals: Plan for short-term and long-term goals like paying off debt or saving for something important.

Pay bills on time: Set reminders or automate payments so you don’t miss deadlines and avoid late fees.

Use cash for small purchases: It can help you stay aware of your spending compared to using cards.

Build an emergency fund: Save a little each month to prepare for unexpected costs like car repairs or medical bills.

Avoid impulse buys: Give yourself time to think before buying something you don’t really need.

Compare prices: Shop around and look for better deals to save on regular purchases.

Review your budget regularly: Check your budget monthly to adjust for any changes in income or expenses.

Start small: Even saving a little each month can add up over time.

Set a savings goal: Have a clear target, like saving for a holiday, emergency fund, or retirement.

Pay yourself first: Put money into savings as soon as you get paid before spending on other things.

Open a savings account: Use a separate account to keep your savings safe and earn interest.

Automate savings: Set up automatic transfers to your savings account so you don’t have to think about it.

Save for emergencies: Build an emergency fund to cover unexpected costs like car repairs or medical bills.

Cut unnecessary expenses: Find areas where you can spend less and put the extra money into savings.

Avoid dipping into savings: Try not to use your savings unless it’s really necessary.

Plan for big expenses: If you know you’ll need money for something like a house or car, start saving early.

Think long-term: Consider saving for retirement by contributing to a pension or other long-term savings plans.

Know your debts: Write down all your debts, including who you owe and how much.

Understand interest rates: Check which debts have the highest interest rates so you can focus on paying them off first.

Make a repayment plan: Set a plan for how much you can afford to pay each month towards your debts.

Pay more than the minimum: If possible, pay more than the minimum amount to clear your debt faster.

Prioritise essential debts: Focus on important debts like rent, utilities, or mortgage to avoid serious consequences.

Avoid taking on more debt: Try not to borrow more money until you've paid off what you owe.

Talk to your creditors: If you’re struggling, speak to the companies you owe. They might offer to lower your payments or give you more time.

Use a debt consolidation option: Consider combining debts into one payment to make it easier to manage.

Get free debt advice: Seek help from a free service if you feel overwhelmed by your debts.

Stay consistent: Stick to your repayment plan and review it regularly to stay on track.

Do your research: Learn about financial products or services before making a decision.

Compare options: Always compare prices, interest rates, or fees from different providers.

Know your needs: Be clear about what you need and avoid spending on things you don’t.

Think long-term: Consider how your decision will affect your finances in the future, not just right now.

Check the fine print: Always read the terms and conditions before signing or agreeing to anything.

Ask for advice: If you’re unsure, seek advice from a trusted source or financial expert.

Don’t rush: Take your time when making big financial decisions like buying a house or taking out a loan.

Avoid emotional spending: Don’t make financial choices based on emotions; think logically.

Understand risks: Be aware of the risks involved, especially when investing or borrowing money.

Learn from mistakes: If a financial decision didn’t go well, use it as a lesson for future choices.