8 ways to get on track. Keeping track of everyday expenses can feel like a real challenge – especially at certain times of the year. The festive period reportedly costs the average UK household £429 1, and causes money worries for about one in ten people 2.
To help you budget, make a list of all the costs you're likely to incur, not forgetting gifts, travel, food and parties.
Agree a realistic gift cost limit with family and friends. A Secret Santa system can help keep costs down for everyone.
When was the last time you reviewed your Direct Debits and standing orders? A five-minute check via Internet Banking could throw up some surprising outdated payments.
Find some excellent deals and make cash from your old or unwanted items using online auctions.
84% of respondents to a Citizens Advice survey were unaware that they were being charged for a 'free trial' which had lapsed into a paid subscription.
Some retailers send discount codes to shoppers who leave their website before purchasing the items in their basket.
When travelling, booking in advance is usually cheaper, but you could also save by car-sharing or splitting a train journey into component stages.
Internet Banking helps you keep a close eye on your finances – watch out for 'pending payments' for an up-to-date view.
Little lifestyle changes add up – see how much you could save by making small adjustments like ditching your morning latte for a travel mug from home.
1According to research from the Money Advice Service.
Source for reference: https://www.moneyadviceservice.org.uk/blog/getting-your-savings-in-shape-for-christmas
2According to research from National Debtline.
Source for reference: http://www.moneyadvicetrust.org/media/news/Pages/Money-worries-put-Christmas-at-risk-for-up-to-five-million-Britons-.aspx
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