USE APPS TO SET A BUDGET

STAY in control of your spending and set yourself savings goals with the help of budgeting apps on your smartphone. Download Money Dashboard to view all your bank accounts and credit cards in one place so that you can easily keep track of your finances. In order to use the app you will need to enter your banking log-in details when you sign up. If you would prefer not to do this, you could opt for simpler apps that do not link-up with your bank such as Fudget and Daily Budget.

These will allow you to manually enter your income and regular outgoings to help you manage your finances better.

Smartphones are also great for comparing prices and finding discounts on the go.

The mySupermarket app will tell you where to get the lowest price on the items you normally get in your weekly shop.

VoucherCodes is also perfect for blagging a discount at your favourite restaurant and finding offers at nearby shops.

You can empty your wallet of all those loyalty cards once you’ve downloaded Stocard to your phone.

This handy app allows you to store them all digitally. You’ll simply need to enter the details for each card into the app and then get the cashier to scan the barcode on your phone when you go to pay.