Managing your money

Keeping an eye on your money will help you stay in control. Drawing up a budget can help you know where your money is going, avoid or get out of debt and make decisions about your finances.

Draw up a Budget - step by step
1. Choose whether to draw up a monthly or a weekly  budget. You can use the Money Advice Service online budget planner.
If your budget shows that you don’t have much money left over, you may need to look at how to reduce your spending. Have a look at whether there is anything that you could do without until you get back on track. This calculator shows how much you could save: Money Advice Service - Cut Back Calculator.

Handy Tools 
- Online savings calculator available here: Money Advice Service - Savings Calculator
- The Money Advice Service publishes useful guides about budgeting which are available here.
See the Money Advice Service videos covering a range of money related topics.

Save Money by Switching
You may also be able to save money by switching telephone, internet, insurance, electricity or gas suppliers. There are lots of websites that help compare providers. Consumer Focus has accredited the following comparison websites as complying with their confidence code:

You can also try CompareTheMarket for advice on switching energy providers and help finding the best deals on all your utility bills including gas and electric, TV, phone and broadband.

Save Money by Avoiding 0870 Numbers
Some phone numbers can cost a fortune to call - especially anything beginning with 0870. Some big companies including banks and gas/electric providers use premium numbers to make money. Visit the following website to search for an alternative number: 
Call 0800, 0808 & 0500 Numbers Free From Your Mobile
Most mobile phone providers in the UK still charge their users for calls to 0800, 0808 and 0500 numbers. 0800Buster lets you call these numbers using your mobile’s inclusive minutes (or at the same charge as local call if you don’t have inclusive minutes), by providing you with a UK landline number to dial instead.
No registration or set-up is necessary, and the service is completely free. Just dial 0333 555 8800, enter the full free-phone number you want to call at the prompt, then press #—it’s that simple!

Money Saving Expert Advice
Martin Lewis is a money saving guru and has some great tips, advice and vouchers on his website and weekly email. Visit the following website to get some top tips on how to save money in a variety of different ways:

Hastoe is authorised and regulated by the Financial Conduct Authority.
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