HOW TO BE GOOD WITH MONEY

ELLE (UK) - - Inner You - by fi­nan­cial ther­a­pist Si­monne Gnessen

LOOK DEBT IN THE FACE The worst thing you can do with debt is ig­nore it. Lots of places of­fer

free debt ad­vice. Stepchange.org is an anony­mous ser­vice that, in 20 min­utes, helps you cre­ate a re­al­is­tic debt-man­age­ment plan.

FEEL THE POWER

If you see spend­ing what you want when you want as free­dom, try giv­ing your­self a bud­get. You’ll re­alise stick­ing to a plan is ac­tu­ally very em­pow­er­ing.

WIPE THOSE COOK­IES Re­move all one-click pur­chase op­tions from

your browser.

IT’S NOT WHAT

YOU EARN, IT’S WHAT YOU KEEP Peo­ple who earn loads but spend it all ev­ery month don’t have any more fi­nan­cial se­cu­rity than peo­ple who earn a lot less. Next time you

get a pay rise, trick your­self by sav­ing the ex­tra money and not in­creas­ing your

take home.

DO SOME­THING

DIF­FER­ENT Chal­lenge your de­fault be­hav­iour with money. If you’re al­ways the one who buys the first round,

hold back next time you’re at the bar. If you find it re­ally dif­fi­cult to spend money, try giv­ing it away – buy a cof­fee for the next per­son

in the queue.

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