Were into February now and most people will still be paying off Christmas.

January is always a boring month. You can do very little due to the amount of money you have available. Mortgages repayments are rising, as are utility bills, council tax and insurance. It seems as though everything has risen in price. Interest rates are at an all time high, insurance premiums are through the roof and tax keeps rising.

So how do we manage all our finance if everything is going up except our wages! My best answer is budgeting and the analysis of every purchase. I cannot stress the importance of thinking… Do I need this? If I do, Is there a cheaper alternative? If not, Is it cheaper somewhere else?

Try it, You’ll be amazed.