Spending diary
If money is tight, it might be helpful to start a spending diary, listing everything you buy over a week or a month – you'll be amazed at where your money goes and probably will be able to see where you can make cuts.
If you take stock of your spending, it's usually possible to find some money to put away for the future or clear off debts. Saving just a few pounds each week can add up very quickly.
It’s very easy to set up a spending diary. Here is an example:
Download spending diary
