With energy bills, fuel and interest rates soaring, there’s never been a more critical time to make savings and learn how to manage our money to the best of our ability. I cover many more tips and money-making ideas in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr. Please LIKE and SHARE – WATCH YOUTUBE VIDEO - https://youtu.be/taJgXOqp9O0 Here are some tips to help you save and accumulate more money. 1 Pay yourself and save first, spend what’s left 2 Avoid credit card debt interest 3 Track your income and expenditure ‘T’ for ‘track’ is included in my programme, Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.  4 Start saving and investing Check out www.gov.uk/individual-savings-accounts for more information. Check for the best cash ISA rates at Moneyfacts. Shop around and be prepared to move your money to obtain the best rates.  5 Emergency or contingency funds 6 Loyalty doesn’t always pay - switch suppliers Check your latest utility statements and check out comparison sites, such as uswitch or moneysupermarket. 7 Reduce your car insurance 8 Review your mortgage ‘R’ for ‘review’ is part of my programme, Master Your Money the S.M.A.R.T Way training. Check it out - https://bit.ly/3isugCr. 9 Check your tax code to pay less to HMRC  10 Look for old bank accounts and pension policies  11 Check for any entitlements to benefits. 12 Reduce your grocery bill  13 Avoid wasting food  14 Explore local charities for help – there is an abundance of food given away by supermarkets 15 Check your workplace or private pension 16 Check your state pension and NI contributions level 17 Use loyalty cards, price match and vouchers and deal finders  Try hacks like VoucherCodes ‘DealFinder’ as a plug-in on Chrome to be alerted to the best deals while buying online. There are hundreds of money saving apps and discount offers, such as Sweatcoin and BetterPoints, where you can get paid to walk and exchange your steps for store discounts and freebies. 18 Cut energy bills  Check out the Energy Saving Trust for some great energy and money saving hacks.  19 Sell unwanted stuff on resale platforms You can turn unwanted clothes into cash using resale platforms such as Depop, Vinted and eBay. 20 Mindset – avoid emotional spending and blowing your salary on payday In my programmes and YouTube Money Tips Podcast videos I talk about money mindset. A recent survey by Nationwide’s Payday Saveday revealed that 1 in 5 people blow over half their spare monthly wages within 48 hours of payday!  21 Plan, organise and forecast The key is in planning and organising your expenditure, work, goals, relationships and life! As in the first tip, prioritise essential expenditure and your savings pot, before spending.  Finally, searching for the best deals, tracking and reviewing your finances and being mindful of spending money on things to don’t really need will not only help you get through the current crises but help you form lifelong habits that will enable to build wealth. For more ideas and tips, see out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr #freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #energybill #costofliving #goals #foodbank #getcontroloffinances #money