Top budgeting tips

Explore our range of budgeting tips and tools. These could give you a clearer view of your essential bills and other spending.

Make a plan using our budget calculator. Then use our online and mobile services to keep track month-to-month.

You can even access spending insights online. This offers a snapshot of your spending, and a chance to spot potential savings.

If you’ve got money left at the end of the month, why not start a positive saving habit, or pay off high-interest borrowing?

Managing your money well today, could make things more comfortable tomorrow, so don’t wait to get started.

Watch our video on day-to-day budgeting

Watch our video on day-to-day budgeting

How to budget better

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.

How to manage your bills How to manage your bills

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.

Paying by Direct Debit Takes you to the Lloyds UK website.

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.

View our saving hints and tips Takes you to the Lloyds UK website

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.

Regularly check your monthly outgoings

Dedicate some time every month to view your recipients and cancel any Direct Debits or standing orders you no longer need.

Managing regular payments Managing regular payments

Keep on top of your upcoming payments

View your upcoming payments regularly to see how much you have left until payday.

Viewing upcoming payments Viewing upcoming payments

Review your subscription payments

It’s easy to lose track of your regular subscriptions, that’s why it’s important to check, cancel or block subscription payments you no longer use.

Managing subscription payments Managing subscription payments

Track your money with app notifications

Stay on top of your regular payments and spending limits by selecting which app notifications you’d like to receive.

Setting up notifications Setting up notifications

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.

Spending insights Spending insights

To use our Mobile Banking app you need to have a valid phone number registered to your account. Available to UK personal Internet Banking customers and Internet Banking customers with accounts held in Jersey, the Bailiwick of Guernsey or the Isle of Man or you can register for the first time in the app. Our app is available to iOS and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. The app doesn't work on jailbroken or rooted devices. Terms and conditions apply.