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[mayonn]

1 Save first, spend later
Pay yourself first. If you do this it’s a sure way towards financial freedom. Use the 50/30/20 flexible approach to budgeting. This means 50% of your take home pay goes on your needs (bills, food, minimum debt payments), 30% goes towards fun (eating out etc) and 20% goes to future you (debt payments above the minimum, saving for emergencies and investing). If this split doesn’t work for you when money is tight, you can adjust the ratios as you go.

2 Stay on track
Don’t let cash slip through your fingers. With digital bank Monzo you can transfer a set amount of spending money to your card while prepaid cards – like Monese and Transferwise – only let you spend what you load.

Too high tech? Set up a day to day spending account with its own card, and transfer your weekly disposable income on to it.

3 Use an incognito browser
Going incognito when you shop online can help you save money by automatically deleting your browser history when you close a tab. This means companies can’t track what you’re looking at and put prices up (yes, it happens!), so it will be especially useful for planning your next holiday.

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