Allocate all your money on payday

Money’s too tight to mention
The month after the Christmas splurge is always hard. But come pay day, we’ll feel a bit richer again and our spending will likely resume. If by the end of every month you find yourself scavenging under the sofa for the price of a latte, it might be time to change.

How do I spend less?
The first trick to controlling your spending is to analyse your bank statements, says Emer Farrell of Instagram account, @Onefootinthesave. “Ask yourself, was that a ‘need’, like a bill or food shopping, or was it a ‘want’, like an impulse buy. Really look at where your money is going so you can plan where you want it to go.”

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