Make a Budget – and stick to it.

Sit down and work out how much you spend each month. List essential outgoings and all other non-essential spending.

Most people are surprised at how much that can save if they were more disciplined with their money. When I did this, I realized I had a £25 per month magazine and a £17 per month chocolate habit. So not only did a save some money, I lost a few pounds also.

You can use this handy income and outgoings calculator to see where all your money goes.

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