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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 and achieve 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 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. 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 free a Pension Wise appointment to learn more about taking your pension.
Call us on 03444 111 444
Lines are open 9am to 5pm, Monday to Friday.
Send us an email
Get advice online at: citizensadvice.org.uk
Or for advice in person, visit your local Citizens Advice, see locations and opening times.
First Published: Tuesday 2 January 2018. Last updated: Thursday 2 January 2020.
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