We understand you are in a  financial war! One of the first places to start when battling your debts is to cut down on your expenses and outgoings.
Below you’ll find a list of 22 ways to help you do this. Whilst some of the steps do seem obvious they can be difficult to follow through especially living through a consumer led society!

1. Live below your means

2. Don’t spend to impress

3. Wealth is not measured in material objects

4. Live a comfortable life not a wasteful one

5. A penny saved is a penny earned

6. Redefine your definition of wealth

7. Borrow and share everybody wins!

8. Avoid the shopping centres

9. Limit your intake of advertising its bad for your wallet

10. Buy with cash

11. Find a better deal and save the difference

12. Adhere to a long term investment strategy

13. Curb your consumerism

14. Stay healthy, medical problems are expensive

15. Stay in and relax

16. Gradually prepare yourself for a rainy day

17. Stop competing in fact forget about the Jones altogether

18. Get out of the easy street mentality

19. Avoid impulse buying, buy things you truly need

20. Time is money, properly manage your finances

21. Find ways to give without spending

22. Never pay retail