Reduce your expenditure

If you would like to talk to us in person about how you can reduce your expenditure then please call us on 0800 804 7447 for a free confidential consultation. Or fill in our enquiry form and we'll get back to you.

Or please read on......

1. Look at the amount you are spending each month.
2. Examine your spending habits. Are you an impulse buyer which greatly increases your shopping bill? Make a list of what is required and rigidly stick to it.
3. Are you spending excessively in any areas? Can this spending be cut?
4. Will direct debits help you budget better? Some organisations may give a discount by paying with this method.
5. Include within your budget an amount to cover one off bills and try to save this! E.g. for when the boiler breaks down, or your car needs repairs.
6. Shop around for the lowest prices or offers on:
7. Your credit card or store cards. Review the APR you currently pay. It is likely that there are a number of providers offering 0% or low interest rates for limited time periods on balance transfers. 
8. Your gas and electric tariffs. The recent surge in utility prices may mean that your current provider is not as competitive as when you signed up. Be careful of any redemption penalty if you have signed up to a term contract (or are thinking or signing up to one).
9. Your mobile and household phone tariff including broadband. As above, the opening of the telecom market has led to greater competition. Review your tariffs regularly and compare to the market. Again be careful of any redemption penalty if you have signed up to a term contract (or are thinking or signing up to one).
10. Your household and car insurances.  Sometimes splitting your home and contents insurance can lead to savings.
11. Always check your bank statements and credit cards to ensure that the person spending on them is you! Identity theft is becoming more common.

If you’re not sure what information you need or you want to discuss all your options please feel free to give our team a call on 0800 8047447 for a free confidential consultation.

Or complete our enquiry form and we will call you back.