The experts
My income doesn’t match my monthly spending
Q How do I stop ending up in the red and using my bank overdraft every month?
FAITH SAYS
A Too much month for your money? You need to find out where and why you spend. Keep a spending diary or download budgeting apps such as yolt.com, snoop.app or moneydashboard.com. Make a budget, dividing spending into ‘needs’, such as household bills, and ‘wants’, such as shopping and going out. Then switch suppliers to shrink your utility bills, stop subscriptions you don’t need and slash non-essential spending.
Tempted to splash cash when you see a big balance? Change your direct debits to go out straight after pay day, so you only
