How can I spend less?
It’s always good financial practice to explore practical ways to spend less money.
The good news is there are plenty of straightforward ways to do this, with both big and small results. Check out our helpful hints to cut spending and free up some cash in your budget.

We can all find ways to spend less providing we learn to be led by our needs rather than our wants and if we make saving money a priority. In this context, it matters less how much money we make and more how we spend the money we make.
Everyone faces challenges at some point in their lives - whether personal, financial or health-related - and you don’t have to go through them alone. Please visit our Member Care Hub for helpful tools and tips.