Basic budgeting: Tracking spend with a spending diary and keeping receipts; budgeting phone apps; creating a Personal budget sheet; monthly and weekly calculations; prioritising spend on essential bills; managing money to suit you, online banking, credit interest rate, budgeting for change
Increasing income: Welfare benefit information and online benefit check, grants and freebies.
Reducing spending: Money saving tips; How and where to shop, deals and false economies, switching energy provider/tariff, cashback schemes, local schemes
Overview of debt options: Prioritizing debts, how/where to get help
Next steps: Individual plan; possible referral in to Citizens Advice service for individual advice appointment, debt counselling, adjustment and solutions
Digital skills: Learn about digital budgeting apps for smartphones, websites for cashback schemes, price comparison sites and switching energy providers online
