At a time where everyone wants to save money but the price of every-day life is increasing, you need to have discipline whilst you spend. Below are two key tips, which we think may help a lot of our readers;

PAY WITH CASH, NOT CARD: This is a fact – we pay 20% more when we pay on card (debit or credit). For some reason, we don’t take as much precaution as we would, if we had cash. Paying with cash may feel more real, but it makes you think how much you can actually spend. So set budget and withdraw that amount in cash before you go spending.

SHOP BY YOURSELF: Shopping with an accomplice is bad news! They tend to encourage you on making purchases, without taking into consideration the effect on your bank balance.