When it comes to money, most of us think we’re doing fine… until we’re not. It’s so easy to get caught up in the day-to-day that we don’t even realise we’re making choices that slowly drain our bank account. The good news? Small changes can make a big difference. So, if you’re trying to be smarter with your money, here are a few things worth checking in on.
Are you getting help with heating or utility costs?
This is something a lot of people don’t realise they’re eligible for. If you’re struggling to cover heating bills or energy costs, you might be able to get support through programs like HEAP. It’s worth checking if you qualify, especially during the colder months when bills shoot up. Even if you think you earn too much, it’s still worth a quick look. You could save hundreds just by applying for the help you’re entitled to.
Are you buying out of convenience or planning ahead?
We’ve all been there. You’re hungry, tired, and grabbing a takeaway seems like the only option. The thing is, those moments add up fast. Same goes for buying last-minute gifts, paying for next-day delivery, or running out to the shop five times a week because you didn’t plan meals. A little bit of prep can save a lot of cash. You don’t have to become a full-on meal prepper, just try to think ahead a bit more and see what happens.
Are your subscriptions silently draining your account?
Streaming, fitness apps, cloud storage, beauty boxes, meal kits, it all adds up. Some of it you probably don’t even use anymore. Go through your bank statement and cancel anything you haven’t used in the last month or two. It might only be a tenner here or there, but multiplied over a year? That’s money better off in your savings or spent on something you actually enjoy.
Are you setting goals, or just winging it?
Having money goals doesn’t mean you’re aiming to be rich. It could be saving for a holiday, clearing a credit card, or just having enough in your account so you’re not stressed when bills are due. Whatever it is, writing it down helps. Even better if you set a deadline. It gives you something to aim for, and you’ll be way more motivated to make better money choices day to day.
Are you putting off the boring financial stuff?
Yep, budgeting, comparing energy deals, switching banks for better interest, it all sounds dull. But it’s often where the biggest savings live. Even spending ten minutes sorting out your direct debits can free up cash you didn’t realise you were wasting. Don’t leave it until you have to deal with it. Future you will be thankful you sorted it now.
That’s it. Nothing fancy, just a few money-conscious choices that can help you stay in control without overthinking it. Give them a go and see what changes for you.
