How can I spend less?

With the cost of living continuing to rise, never has it been a better time 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.

Woman reducing her spending online

Cut down on your grocery shopping

The average weekly food cost for the typical UK household is currently £114 - an increase of 15% from a year ago. But you can save money on groceries by planning out your meals each week and studying what’s already in your kitchen before you buy. Create a list and stick to it; it’s very easy to be tempted by special offers and treat items when you’re in store - but these quickly add up.

In addition to what you buy, think carefully about where you buy. If you haven’t already, consider switching to a low budget supermarket and shop based on your budget, rather than convenience.

Buy budget brands

Cancel TV subscriptions

Reduce energy costs

Take a packed lunch

No more take away coffee

Don't eat out to help out

Love your local library

Sell to save

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.

If the rising cost of living is causing you some concern, we’re here to help. Please visit our Cost of Living Support Hub for helpful tools and tips to help you gain financial control.