Budget planning

It’s important to keep track of your monthly income and outgoings, and sometimes you need a handy tool to help do this.

We’ve created a budget planner – a really simple guide you can use to help understand and keep track of these figures.

If you want advice on your mortgage or insurance options, it’s always best to talk to a professional.  We’ve put together a list of Independent Financial Advisors (IFAs) who are recommended by our customers. Click here for details.

Read on for our top tips for finding that little extra money each month for your savings account

Help to Buy ISA

When saving to buy your first home, a Help to Buy ISA could be a great option to get that extra helping hand towards your deposit.

For every £200 you save, the Government will boost your savings by 25%; that’s an extra £50. The maximum government bonus you can receive is £3,000, which will take your £12,000 up to £15,000.

£4,000 in the Help to Buy ISA? That takes your deposit to £5,000.

£8,000 saved? That will get a boost to £10,000.

Note you will only receive the bonus at the point of purchasing a home, and it will only be applied if you are buying a home with a full market value of up to £250,000.

To find out more, click here.

Buy a £3 coffee each morning for your train journey in to work?

That’s £15 a week. Or £60 a month. Which could be £720 a year you could save, just by purchasing a thermos & making your hot drink before leaving for the station.

Got the top Sky package for your TV?

That’s around £85 a month, assuming you’ve not upgraded to Sky Q. By switching to Freeview for 12 months, you could save a whopping £1,020!

A fan of a weekly takeaway?

Let’s be honest, who isn’t?! But if you spend £20 every Friday on a pizza or curry, that’s £80 a month or a scary £960 a year. Just by cutting that down to a takeaway once a fortnight, you could be looking at a £500 saving.

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