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Top budgeting tips
How to budget better
Explore our range of budgeting tips and tools. These could give you a clearer view of your essential bills and other spending.
Managing your money well today, could make things more comfortable tomorrow, so don’t wait to get started.
Budgeting tips and tools
Manage your bills
Setting up accounts for different purposes could help you see how much money you have left over after bills. You could have one account for household bills and another for everyday spending. We know that managing bills can be stressful, but with some tips and tools, we can help you gain control of your payments.
Use our budget calculator
Get a full overview of your income and spending to help you manage your money better. Fill out details of payments received, the savings you hold, and any amounts going out to build a clearer picture of your finances.
Spread the cost
Large costs can be difficult to pay in one go. It might be better to see if you can spread the cost with regular, smaller payments instead. See if you can pay monthly by Direct Debit for things like car insurance, or your TV licence fee, which can make them easier to manage.
Build a savings habit
Whether you're new to saving or looking for easier ways to save, we can help. We’ve got some helpful saving hints and tips to help you reach your goals, reduce spending and develop some new saving habits along the way.
Calculate your take home pay
Assist your budgeting by using the MoneySavingExpert income tax calculator. Find out how much income you keep and how much tax you pay.
Benefits calculator
You could be entitled to claim benefits if you’re caring for someone, out of work or on a low income.
Find out what benefits you could access with this free benefits calculator, including heating, housing and other living costs.
Managing your money online or in our app
Understanding where your money goes is an important part of budgeting. We have lots of tools available in Internet Banking or on our Mobile banking app that can help you. The following shows how you can access these tools and stay in control of your money.
Use our spending insights tool
See a breakdown of where your money goes every month. View your current account spending in categories so you can spot the patterns and see where you might be able to make some savings.
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