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Managing money

Help with budgeting and financial planning, how to spend less, prioritise your spending, information on banking and using credit.

What is the best way for me to borrow money?

Most people will need to borrow money at some stage to tide them over in an emergency, to buy larger items or to fund a special event. Before you borrow money, it’s important to make sure you will be able to keep up the repayments, otherwise you could be taken to court and might even […] Read more

How can I cut costs?

Cutting costs are a good way of making sure you make the most of your money. It will also hopefully make you a little less likely to have to borrow to cover the cost of essential living. Think about bringing down your energy, home phone and broadband bills, and using your consumer power by switching […] Read more

How can I increase my income?

There is a lot you can do to try and maximise your available income. Think about how you spend and earn as well as entitlements and benefits. Have a look at the Money Saving Expert’s Money Makeover. You can also check whether you are entitled to any additional benefits from the links below (or see […] Read more

How can I reduce my debt?

Using credit is part of modern life, but if something goes wrong and you find you are unable to keep up with repayments then you should seek independent advice. Be very wary of companies that offer to make your debts go away or fix your credit rating – for a fee. We can help look […] Read more

How do I make a budget?

To have a budget means to manage your spending so that it is not more than your income. It should help you to balance your money. If you spend more than you have coming in every week or month it means you are living on debt, which isn’t sustainable. Use any of these tools to […] Read more