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It can also help you build up savings so you’re prepared for any sudden changes, from one-off expenses like replacing a washing machine to a change in your employment.
We can help you sort out your debts and give you the knowledge and tools to plan your budget for a more financially secure future.
Here's our top tips for getting your finances in shape
Blitz your budget
If you have money left over, plan in advance what else you’ll spend or save. If you don’t, look at ways to cut your costs. The Citizens Advice budgeting tool External link can help you set a more detailed budget.
Get the best deal on your energy, water and other essentials
Diarise the dates of annual contracts that are up for renewal, like your mobile phone or car insurance, and use a comparison site to see if you can get a cheaper deal.
Water down your water costs - smaller households may be able to save money by moving to a water meter. With a meter, you only pay for what you use. Work out if you could save by visiting: www.ccwater.org.uk External link. Many water companies have special schemes to help people who are struggling with their water bills. Contact your water supplier to see if they run one.
Sort out your debts
Maximise your income
Invest in your future
If you’re eligible for auto-enrolment, consider paying more than just the minimum. Those who are self employed can still set up their own pension but make sure it’s with a regulated company. If you’re over 50 and have a defined contribution pension you can get a free Pension Wise External link appointment to learn more about taking your pension.
Call us on 0800 144 8848
Lines are open 9am to 5pm, Monday to Friday.
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Find advice online at: citizensadvice.org.uk External link
First Published: Tuesday 2 January 2018. Updated Thursday 2 January 2020; 21 December 2020. Last updated: 5 January 2021
Further articles, advice and information you may find useful:
- How to start dealing with your debts
- Struggling with your water bill?
- Ways to save money on your energy bills
- Online debt and money advice