Simple strategies to save more, spend smarter, and reach your financial goals. Available across the UK, USA, Germany, France, and Brazil.
Budgeting doesn't have to be restrictive. It's about making your money work for you. These tips will help you build a plan that sticks.
Rent/mortgage, bills, groceries, transport, insurance
Dining out, entertainment, shopping, holidays, hobbies
Emergency fund, pension, overpaying debts
Use a budgeting app or simple spreadsheet to monitor where your money goes. Awareness is the first step to control.
Set up automatic transfers to savings on payday. Pay yourself first before you have a chance to spend.
That daily coffee or subscription adds up. Small cuts can free up hundreds each month.
Set a monthly "money date" to review your budget, track progress, and adjust as needed.
Specific, Measurable, Achievable, Relevant, Time-bound goals keep you motivated.
Call providers to ask for better rates on insurance, broadband, or mobile plans.
Give every pound a job. Income minus expenses equals zero. This method ensures you're intentional about every penny you earn.
Use our free tools or talk to a financial wellness coach. Available in multiple languages.
