Top tips

You were...Head in the Sand

You were...Head in the Sand<div style=

If you would like a few tips to help you get your head out of the sand and into the game when it comes to your finances, here are some things to think about.

  • Start with the simple tasks you can complete easily, such as reading your electricity meter or looking at a better credit card deal. Making a bit of progress each time can help make you feel good about yourself, which can help you to face the more tricky household finance tasks…like finally seeing whether you can save by switching energy supplier.

  • If the very thought of dealing with your finances brings you out in a sweat, get a kind friend to come round and just sit with you while you face it all. Even if they’re not good at money themselves, it often helps to have someone else there just to give you some comfort. It might even spur them on to dealing with their own money issues.

  • Once you’ve found the time to get on top of your money, go online to get really good help and advice. There are a number of charities set up to offer clear and trustworthy advice and tips on how to get on top of those bills.

You were...Head in the Clouds

You were...Head in the Clouds

If you would like a few tips to help you get your head out of those clouds and into the game when it comes to your finances, here are some things to think about.

• Have you tried keeping a budget? Even if it’s a rough back-of-an-envelope estimate, you will at least have a ballpark idea of what money comes in each month and what has to go out. You can get an even better idea by using one of the online calculators or one of the clever smartphone apps that are on the market now. They’re easy to use and show you quickly how much money you have to play with each month.

• Consider making a date for yourself once a year to go through your regular bills and see if you can yourself some serious money. Make a cup of tea, put some nice music on and see how much you can save in one go by switching to a cheaper deal on everything. If you haven’t done it for a while you could save £100’s.

• Depending on your circumstances, you may look at working out what you can reasonable afford to save each month and how to use these savings to meet your financial goals. This could be reducing your debt, transferring money to a savings account or even making investments, are but a few options available to you. If in doubt, you should always seek independent advice.

You were...Heart over Head

You were...Heart over Head

If you would like a few tips to get a hold of your heart and let your head do the ruling when it comes to your finances, here are some things to think about:

• Start small and work your way up. You’re not going to change habits of a lifetime overnight. Work out what you can reasonable afford to save each month and how to use these savings to meet your financial goals. This could be reducing your debt, transferring money to a savings account or even making investments, these are but a few options available to you. Even if you start small, you may find it can build up quickly and help ensure you have savings for a rainy day. If in doubt, you should always seek independent advice.

• Make saving money a fun game for yourself (yes, it is possible!). Instead of spending on whatever you feel like, see how little you can spend and still have a good time. Set challenges for yourself to get as many freebies as possible and discounts on things you usually buy. Get friends involved too so that you can save even more as a team.

• Sleep on it. Give yourself 24 hours to really consider your purchase, weighing up the pros and cons of having the item you really want and spending the money. If you wake up and are still desperate to hit the shops, run it past your friends or a family member as they may be able to provide some sound advice

You were... Head in the Game

You were... Head in the Game

Great news! Your answers suggest you're doing a great job of managing your finances and that you are fully switched on when it comes to making savings. There are always ways in which you could save some more of those pennies; review your bills on a regular basis to make sure you're getting the best deal for you.