Budgeting and saving
Taking the time to manage your money better can really pay off.
Learning to budget can help you stay on top of your bills and save £1,000s each year. You might be able to use savings to pay off any debts, put them towards your pension, or spend them on your next car or holiday.
Making your money go further is a goal most of us would like to achieve - and there are loads of ways of doing it.
Visit Money Helper - Budgeting who have a collection of guides and will help you save money on your everyday household bills.
They also look at the best ways of keeping track of your money, knowing when you can spend, and how to avoid going into the red.
Money Saving Expert - Budget Planner is a free budget planner on how to manage your money. They also provide a guide on giving you some helpful tips and tricks, whilst analysing your finances to help you manage and control your cash.
Visit Money Helper who will help you know exactly where your money is being spent, and how much you've got coming in.
Knowing where every pound is being spent is a great first step to starting your savings, getting out of debt or preparing for retirement.
Living on a budget
Managing money and making ends meet when you're on a low income takes careful organisation.
Visit Money Helper - Living on a squeezed income to find out some of the best ways to make sure you're doing all you can to stay in control when you're on a tight budget.
Best ways to save money
The website Which provide 50 ideas on how to save money, including tips on how to reduce the cost of food, eating out, motoring and heating your home. Visit Which - Best ways to save money for more information.
CLEVR Money - about people, not profit
CLEVR Money is a not for profit savings and loans co-operative. With them, you can set-up a savings account for something special or for those under 18. Their membership account also gives you access to a savings account as well as affordable loans.
Their loans cover home improvement, car loans, holiday loans, debt consolidation, Christmas loans, back to school loans, family loans, white goods loans and personal loans. These can be applied for online.
Where can I go for a loan?
Lancashire Community Finance is a not for profit Community Development Finance Institution (CDFI), and a registered charity.
They can lend money to businesses, social enterprises and individuals if you are struggling to get finance from high street banks or loan companies. Loans can be for personal use, business loans, start-up loans, or for home improvement.
Interest rates are considerably lower than those charged by doorstep and payday lenders, and they also provide financial education and money management services.
Running a bank account
Money Helper provide information on:
- Money Helper - How to choose the right bank account
- Money Helper - How to manage your bank account
- Money Helper - Current accounts
Student and graduate money
Money Helper provide information on how to help with preparing your child for student life, including tips on budgeting at college or university:
- Money Helper - Student and graduate bank accounts
- Money Helper - University Budgeting tips
- Money Helper - How to deal with student loan and credit card debts after graduation
Money Helper can help with trimming your energy, home phone and broadband bills, and tips on getting holidays for less:
- Money Helper - How to reduce your home phone and internet bill
- Money Helper - Council Tax: what it is, what it costs and how to save money
- Money Helper - Buying and running a car
Money Helper gives information on how to save money, types of savings account, and getting started with investing:
- Money Helper - Savings calculator
- Money Helper - Do you need a financial adviser?
- Money Helper - Types of investments
How to save money
Money Helper can help work out how much you can afford to save and find out how to set and reach your savings goal:
Types of savings
Learn about savings accounts, cash ISAs, and how to save for children with Money Helper:
- Money Helper - Bank accounts to keep and save your money
- Money Helper - Child Trust Funds
- Money Helper - Junior ISAs
How to invest money
Learn about investing basics, how to make an investment plan, and understanding your attitude to risk with Money Helper:
How to save money on broadband
Seven money saving methods
Broadband Savvy - How To Save Money On Broadband can provide you 7 money-saving methods on how to save money on broadband.
In the guide, Broadband Savvy explain seven methods you can use to save as much money on broadband as possible, while still getting the digital connectivity you need at home.
Uswitch guides on broadband for your home
Uswitch have comprehensive guides on broadband covering everything from social broadband tariffs for low-income households, to improving your connection in the home.