If you are trying to better manage your finances, it is essential to keep track of how much money you have coming in (income) and how much money you have going out (expenditure).

If you have more going out than coming in then you need to see if you can:

Increase your income

Could you increase your hours of work?
Have you checked your benefits entitlements?
Is there someone living with you who should be paying you some board?

Reduce your outgoings

Are there any non-essential things on your outgoings list which you could cancel until your financial situation improves? For example: Sky TV, Gym membership, mobile phone contract?
Can you reduce other items such as groceries bills?
Can you change your Broadband, TV, mobile phone or your energy supplier? Are they the cheapest for your needs? Consider switching to save money by using online comparison websites.


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