ANALYSE YOUR SPENDING HABITS

Budgets aren’t all about deprivation and saying no. “Now, I see them as a way of regaining control over your finances,” says Seal.

“A budget is simply knowing what’s coming into your accounts and what’s going out.” She advises looking back over your last six months of spending, to get a true sense of your outgoings, and using a spreadsheet that’s easy to edit. Set aside an hour to go through it every Sunday night too – it’ll help you start the week feeling prepared.