![]() ![]() I’m too much of a ‘Life’s too short’ kind of person to be sensible with all of my spare money so I spread mine over a couple of treats here and there (some bigger than others) and some more grown-up things like investing in shares and overpaying my mortgage. If you’re lucky enough to have money left over then think about what you’re going to do with it. You can also look to see if there are ways to can supplement your income with a couple of side hustles. They can help with free debt advice and will be able to work with you to look at your finances in detail to provide some tailored advice. If you’re in the negative that means that on paper you don’t have enough coming in and you need to do all of the steps above to make your budget as healthy as you can but also consider reaching out to the Citizens Advice Bureau or Stepchange for some help and guidance before it gets worse. Do you spend more than you need to? Have a read of this post for some ideas on how to stop spending.Are there cheaper alternatives out there?.Are you paying for things you don’t use?.Do you always shop around before renewals?. ![]()
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