MONEY MATTERS

Make savings with Kalpana’s top tips…

REDUCE YOUR BILLS

According to research*, 57% of people in the UK are struggling financially or expect to do so. Here are three ways to soften the blow…

✱ Go through all your bills, such as broadband and mobile phone, and see if you can get a better deal.

✱ Comb through your subscriptions. Are there any you can do without?

✱ Download the Money Dashboard app. You’ll see all accounts in one place, so you can keep a close eye.

Cut credit card debt

Are you paying interest on credit card debt? Cut the cost by moving your debt to a 0% balance transfer card. These let you chip away at debt without paying interest. You could get as much as 31 months’ interest free, though there may be a fee to transfer the balance. You should aim to pay off your balance within the interest-free period and must keep up repayments. Visit moneyfacts.co.uk for the latest deals.