If you are worried about money, you’re not alone; at this time of the year it is common to become stressed about increased expenditure, and with no apparent way to meet your expenses it may be tempting to turn to a loans company for help. We have one word to say about this option: don’t! It’s expensive and doesn’t address the real problem – you are most likely spending too much!
Here’s a trick we recommend you begin with: make a list of all your essential regular bills – energy, phones, broadband, water, your mortgage or rent and such – and then, next to that, make a list of things that you could, in fact, do without.
These are the items that we consider non-essential:
Take-out meals, drinks at the pub, little luxuries that you pick up when you are shopping for your groceries. These are the items on which you are spending money you could easily save.
