Budgeting advice

Stay in control of your money

Bank online

You can bank online through Internet Banking or using our Mobile Banking app. Keep track of what's going in and coming out of your account at any time. You can view statements online and also print them off if you need to. This will help you see what’s going in and out of your account. Always check your bank statements to make sure there’s nothing amiss and cross-reference it with your list of outgoings.

Organise your money

Sometimes it can help to split your money between accounts. You could consider one for bills and the other for everyday spending. So, you'll know how much you have to cover your bills and how much you have left to spend at the end of the month. When reviewing your household bills, you may want to shop around to see what offers are available. You might find that you could get a better deal elsewhere. Find out more about how to get your bills under control.

Spread it out

You could find that spreading larger payments over the year (for example, your car insurance or TV licence fee) makes more sense for you. Setting up a monthly direct debit to cover these payments can help you manage the cost, which can be helpful if money is tight.

Shop around

There are lots of ways you can save money. Looking out for family deals or discounts and loyalty and cashback schemes is a good place to start. Even waiting to buy something in the sale can make a big difference to your spending too. Don’t forget, there are also benefits schemes such as Universal Credit which is a payment to help you with your living costs so it’s worth taking a look to see what you may be entitled to.

Be smart with your money

Start saving

If you have some spare money at the end of the month, it could be a good time to save. Having money set aside could help with unexpected bills, a sudden repair job, or an unexpected redundancy. Find out about different ways to save or see our helpful savings hints and tips.

Spend wisely

Try to avoid impulse buying but do keep money aside for some unplanned spending. If you can plan your spending in advance, you're less likely to buy things you don't need or can't afford. Our budgeting tool can help you manage your money too.

Useful sites

The sites below offer lots of advice and support to help you cut costs and manage your finances.