If you’re regularly spending more than you earn, you may need to work out where you can cut back by budgeting your monthly expenditure.
By taking the time to manage your finances, you’ll not only be able stay on top of your bills, but you may even save money each year, money which you can put towards your pension or a holiday.
For advice on how to budget and manage your finances visit https://www.moneyhelper.org.uk/en/everyday-money/budgeting/beginners-guide-to-managing-your-money