4. Shelve the Non-Essentials Try giving up your daily designer coffee & bring a flask instead; if you buy a coffee a day for a year you're looking at a hefty £800 annual spend - that's the cost of a holiday!
7. Pets are Pricey So if you can't live without your furry friend make sure they're insured. Compare the cheapest rates using an online comparison website (And you may want to insure your gadgets whilst your at it!)
8. Seek Advice If you can't balance the books don't let debt get you down. Come and see MASO for budgeting advice, or access free Debt Advice online via Stepchange Debt Charity or the Citizens Advice Bureau