7. Pay by direct debit
Take stock of what you are spending and how you are paying. Often paying with Direct Debit can save you money.
Bac's Family Finance Tracker
estimates that the average individual could save over £400 a year by paying regular bills such as broadband, Digital TV, magazine subscriptions and phone bills by Direct Debit.
Mike Hutchinson, head of marketing at Bacs, says; “Direct Debit offers an efficient and stress free option to help manage paying bills and keep on top of day to day money management."
Keep your essential cards in a safe and stylish place - like this Paul Smith card holder from Asos.